| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHILE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $11K | $27K | 26.94% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 ROUT 17 PARAMUS, NJ 07653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $463 | $5K | 8.23% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 1050 WALL STREET WEST LYNHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 5.37% |
| MJ INSURANCE3 Filed as: ROBERT ARNOLD AND VARIOUS AGENTS | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $340 | $3K | 4.09% |
| B V STONE INC3 Filed as: B V STONE, INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $259 | $2K | 2.80% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $424 | $1K | $1K | 2.26% |
| C & L REED ASSOCIATES LLC3 Filed as: C AND L REED ASSOCIATES, LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $700 | $128 | $828 | 1.30% |
| JILL HUGHES3 Filed as: JILL HUGES | 6510 TAMARA DRIVE SALT LAKE CITY, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $383 | $29 | $412 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | EYEMED VISION CARE | $2K | — | $2K | 9.32% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 FIFTH AVENUE NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NJ 07663 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 17.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 FIFTH AVENUE NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 ROUTE 17 PARMUS, NJ 07653 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 3.95% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.98% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 1.19% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 1.19% |
| C & L REED ASSOCIATES LLC3 Filed as: C AND L REED ASSOCIATES, LLC | 3300 SHIPLEY STREET LADSON, SC 29456 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.40% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $102K |
| Vision | EYEMED VISION CARE | 361 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $102K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $102K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $102K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.