| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST,PLAZA TWO, 250 PEHLE AVENUE, SUITE 400, SADDLE BROOK, NJ 07663 | OXFORD HEALTH INSURANCE, INC | $69K | — | $69K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST,PLAZA TWO, 250 PEHLE AVENUE, SUITE 400, SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $4K | $366 | $4K | 12.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $802 | $802 | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PARK 80 WEST,PLAZA TWO, 250 PEHLE AVENUE, SUITE 400, SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $158 | — | $158 | 10.01% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 379 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 279 | $66K |
| Vision | VISION SERVICE PLAN | 70 | $2K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 348 | $32K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 379 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 348 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.