| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $231K | $0 | $231K | 14.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $106K | $0 | $106K | 6.55% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $25K | $0 | $25K | 3.32% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS. AND BENEFITS SVCS., INC. | 126 NORTH SALINA STREET, SUITE 600 SYRACUSE, NY 13202 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $13K | $0 | $13K | 1.68% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INS. AND BENEFITS SVCS., INC. | 6950 SOUTH TRANSIT ROAD LOCKPORT, NY 14095 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $10K | $10K | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5501 LBJ FREEWAY, SUITE 250 DALLAS, TX 75240 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $26K | $0 | $26K | 9.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOS, IL 60008 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $0 | $5K | $5K | 1.87% |
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 | 5,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,045 | $1.6M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 4,431 | $757K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,045 | $1.6M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,045 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,045 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.