| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARK INSURANCE3 Filed as: CLARK INS | A MARSH MCLENNAN AGY PO BOX 350 SUITE 940 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 4.00% |
| NICHOLAS COLUCCI, CLARK INSURANCE3 | A MARSH MCLENNAN AGENCY 1945 CONGRESS ST BLD A PORTLAND, MA 04104 | BLUE CROSS BLUE SHIELD OF VERMONT | $8K | — | $8K | 1.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.17% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $447 | $447 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.96% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $442 | $442 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.00% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $226 | $226 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1945 CONGRESS ST STE A PORTLAND, ME 04102 | VISION SERVICE PLAN | $955 | — | $955 | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2385 CONGRESS ST PO BOX 3543 PORTLAND, ME 04102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $375 | — | $375 | 11.99% |
| THE NIA GROUP3 | A MARSH MCLENNAN AGENCY 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $36 | $36 | 1.15% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.5M |
| Dental | DELTA DENTAL PLAN OF MAINE | 214 | $80K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF VERMONT | 116 | $419K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 83 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF VERMONT | 43 | $403K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
No prospect flags tripped on this filing.