| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLEBROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | — | $103 | $103 | 0.07% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN NEW YORK, NY 10022 | AETNA LIFE INSURANCE COMPANY | — | $83 | $83 | 0.06% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, SUITE 64 NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLEBROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $712 | $0 | $712 | 3.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED | $582 | $0 | $582 | 6.66% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | EYEMED | $215 | $0 | $215 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | FOUR EVER LIFE INSURANCE COMPANY | $178 | $0 | $178 | 15.01% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 57 | $1K |
| Dental | AETNA LIFE INSURANCE COMPANY | 295 | $141K |
| Vision | EYEMED | 133 | $9K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 12 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.