| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $7K | $12K | 27.01% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $843 | $889 | $2K | 6.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 ROUTE 17 PARAMUS, NJ 07653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $227 | $2K | 6.45% |
| PALMA HAMPTON3 | 3623 MARLBOROUGH DRIVE TUCKER, GA 30084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $0 | $486 | 1.89% |
| BRAD BIEL3 Filed as: BRAD BIEL AND OTHER AGENTS | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $2 | $428 | 1.67% |
| B V STONE INC3 Filed as: B V STONE, INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.49% |
| C & L REED ASSOCIATES LLC3 Filed as: C AND L REED ASSOCIATES, LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.35% |
| IRA EDENBAUM3 | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $11 | $88 | 0.34% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 FIFTH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 17.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 5650 FIFTH AVENUE NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $485 | $0 | $485 | 9.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 5650 FIFTH AVENUE NEW YORK, NY 10175 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 4.71% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 2.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.18% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.18% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 370 | $5K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $44K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $44K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.