| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES, INC. | $214K | $0 | $214K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $5K | $40K | 6.14% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 32704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $314 | $22 | $336 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $6K | $0 | $6K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $168 | $5K | 8.32% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 32704 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $56 | $1K | 2.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER AND ASSOCIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $650 | $0 | $650 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | ACE AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $91 | $9 | $100 | 16.39% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 32704 | FIRST UNUM LIFE INSURANCE COMPANY | $39 | $5 | $44 | 7.21% |
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 | 607 | 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) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 607 | $6.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 607 | $6.2M |
| Vision | VISION SERVICE PLAN | 549 | $59K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $654K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $709K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $654K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 607 | $6.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 695 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.