| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | AETNA LIFE INSURANCE COMPANY | $2K | $103 | $2K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | TWO 250 PEHLE AVENUE PARK 80 WEST PLAZA SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $481 | $2K | 11.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 4400 PGA BOULEVARD, SUITE 1000 PALM BEACH GARDENS, FL 33410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $274 | $0 | $274 | 2.09% |
| INTERNATIONAL PLANNING ALLIANCE3 Filed as: INTERNATIONAL PLANNING ALL, LLC | 300 BROADACRES SRIVE, SUITE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $3 | $4 | 0.03% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 171 | $71K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 120 | $27K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 120 | $27K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 120 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.