| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $4K | $73 | $4K | 5.43% |
| UNKNOWN3 | UNKNOWN WESTMONT, NJ 08108 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $695 | $0 | $695 | 3.19% |
| CHARLES H. FINKELDAY3 | 323 EAST OAKBURNE AVENUE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 0.87% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL BUTTERFIELD & OTHER AGENTS | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | $0 | $173 | 0.79% |
| NANCY R. MITNICK3 | 501 DUSTY LANE LINWOOD, NJ 08221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | $0 | $81 | 0.37% |
| ERIN M. HENSH3 | 900 LIBERTY PLACE SICKERVILLE, NJ 08081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.35% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.33% |
| JOHN T CAPOZZI Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETON, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.26% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 228 | $78K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 190 | $61K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 190 | $61K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 190 | $61K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 190 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.