| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY | $31K | $6K | $37K | 6.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ | $11K | $0 | $11K | 4.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $949 | $5K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $797 | $11K | 16.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF CT, INC. | $841 | $0 | $841 | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY | $2K | $152 | $2K | 16.04% |
| MARSH & MCLENNAN AGENCY LLC6 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE & CASUALTY INS. CO. | $750 | $73 | $823 | 16.45% |
| MARSH & MCLENNAN AGENCY LLC4 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE & CASUALTY INS. CO. | $237 | $50 | $287 | 6.07% |
| MARSH & MCLENNAN AGENCY LLC4 | PARK 80 PLZ 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE & CASUALTY INS. CO. | $559 | $55 | $614 | 16.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $887K |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $235K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Other commissions Service code 55 | — | $66K |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ | 400 | $230K |
| Vision | DELTA DENTAL OF CT, INC. | 317 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 214 | $598K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 214 | $689K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 214 | $613K |
| Stop-loss / reinsurancereinsurance | BCBS OF MN | 361 | $633K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 214 | $611K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.