| 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 | $30K | $3K | $34K | 7.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ | $12K | — | $12K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $415 | $4K | 7.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $290 | $6K | 17.22% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | VSP - VISION SERVICE PLAN | $1K | — | $1K | 6.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80W PLZ 2 250 PEHLE AVE W 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY | $1K | $79 | $1K | 16.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $219K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 INSURANCE BROKER | Other commissions Service code 55 | — | $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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ | 429 | $233K |
| Vision | VSP - VISION SERVICE PLAN | 136 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 157 | $461K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 191 | $481K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 157 | $433K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 157 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.