| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 565 5TH AVENUE, 5TH FLOOR NEW YORK, NY 10017 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $8K | $0 | $8K | 5.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $4K | $4K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | AETNA LIFE INSURANCE COMPANY | $6K | $103 | $6K | 6.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | -$51 | $0 | -$51 | -0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA 2 ADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 28.77% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN J. NIEDERAUER | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | $0 | $686 | 1.50% |
| ELAINE GAUDY3 | 159 LAUREL AVENUE KEANSBURG, NJ 07734 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | $0 | $686 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
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 | 722 | 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) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 532 | $87K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 333 | $22K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 722 | $191K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 722 | $137K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 722 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.