| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $41K | $7K | $48K | 4.96% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $22 | $407 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NEW JERSEY, INC. | $11K | $0 | $11K | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80, PLAZA TWO SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.02% |
| 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 | $70 | $4K | 6.41% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 1.87% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $816 | $0 | $816 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NY 07663 | ACE AMERICAN INSURANCE COMPANY | $612 | $0 | $612 | 15.00% |
| 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 | $25 | $2 | $27 | 3.70% |
| CHRISTOPHER THOMAS SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $11 | $1 | $12 | 1.64% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,031 | $332K |
| Vision | VISION SERVICE PLAN | 596 | $65K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $972K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $1.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $972K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 837 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.