| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $3K | $17 | $3K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 16.96% |
| BROOKE PRUSZINSKI3 Filed as: BROOKE PRUSZINSKI AND VARIOUS AGENT | 208 OLD MILL DRIVE CAPE MAY, NJ 08204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.25% |
| NANCY R. MITNICK3 | 501 DUSTY LANE LINWOOD, NJ 08221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.11% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $528 | — | $528 | 1.72% |
| CHARLES H. FINKELDAY3 | 323 EAST OAKBOURNE AVENUE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $523 | $0 | $523 | 1.71% |
| ERIN M. HENSH3 | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $503 | $0 | $503 | 1.64% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | $0 | $439 | 1.43% |
| 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 | $97 | $0 | $97 | 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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 211 | $63K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 155 | $66K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 155 | $66K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 155 | $66K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 155 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.