| 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 | $22K | $3K | $25K | 6.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ | $12K | — | $12K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $405 | $4K | 7.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $275 | $6K | 15.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | $2K | $200 | $2K | 10.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY | $612 | $38 | $650 | 15.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $222K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 INSURANCE BROKER | Other commissions Service code 55 | — | $73K |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ | 447 | $241K |
| Vision | AMERITAS LIFE INSURANCE CORP | 316 | $22K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 179 | $460K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 195 | $477K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 179 | $427K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 178 | $475K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 179 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.