| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $79K | $79K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $728 | $9K | 10.77% |
| ADAM H. HONRATH3 | 38 WORTHINGTON TERRACE FLEMINGTON, NJ 08822 | AFLAC | $1K | $65 | $1K | 4.56% |
| MATTHEW R. WHITE3 Filed as: MATTHEW R. WHITE AND OTHER AGENTS | 1615 MOOREFIELD AVENUE YOUNGSTOWN, OH 44515 | AFLAC | $590 | $0 | $590 | 2.15% |
| ADAM H. HONRATH3 | 121 STONY BROOK ROAD BRANCHBURG, NJ 08876 | AFLAC | $417 | $0 | $417 | 1.52% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 08822 | AFLAC | $282 | $0 | $282 | 1.03% |
| MARGARET DYER3 | 5 FISHER COURT FLEMINGTON, NJ 08822 | AFLAC | $257 | $0 | $257 | 0.94% |
| JENNA HONRATH3 | 38 WORTHINGTON TERRACE FLEMINGTON, NJ 08822 | AFLAC | $94 | $0 | $94 | 0.34% |
| BARRY M SCOFF3 Filed as: BARRY M. SCOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $85 | $0 | $85 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $155 | $0 | $155 | 16.63% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | 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 | 156 | $961K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $89K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 227 | $4K |
| Life insurance(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 219 | $3K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 219 | $27K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY | 219 | $0 |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $961K |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $994K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.