| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 5.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 18000 HORIZON WAY, SUITE 400 MOUNT LAUREL, NJ 08054 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 8.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 477 CAPE MAY, NJ 08204 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 16.99% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 12.74% |
| MJ INSURANCE3 Filed as: BRAD BIEL AND VARIOUS AGENTS | 225 GRAND STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 10.87% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $757 | $6K | 9.66% |
| CHERYL NAOMA LAGUNILLA3 | 120 JOAN DRIVE TRAPPE, PA 19426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $852 | $3K | $4K | 7.14% |
| MELVINEA WILLIAMS3 | 377 SOUTH HARRISON STREET EAST ORANGE, NJ 07018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| RICHARD LAGUNILLA3 | 1316 SUMMER LANE POTTSTOWN, PA 19465 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $546 | $1K | $2K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $1K | — | $1K | 5.47% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 227 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 209 | $155K |
| Vision(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 227 | $3.6M |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 442 | $101K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 442 | $101K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 442 | $101K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 227 | $3.6M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 442 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.