| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ | $13K | — | $13K | 5.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $421 | $4K | 6.96% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $287 | $6K | 15.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | $2K | $252 | $2K | 11.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY | $356 | $18 | $374 | 15.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $180K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 INSURANCE AGENT | Other commissions Service code 55 | PARK 80 W PL 250 PEHLE AVE STE 400 SADDLE RIVER, NJ 07663 | $72K |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ | 201 | $232K |
| Vision | AMERITAS LIFE INSURANCE CORP | 146 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $336K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $354K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $300K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.