| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 66 ROUTE 17 PARAMUS, NJ 07652 | INDEPENDENCE BLUE CROSS | $133K | $0 | $133K | 4.60% |
| PENNSYLVANIA AUTO ASSOC INS AGY INC3 Filed as: PENNSYLVANIA AUTO ASSOC. INS. AGY | UNKNOWN HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | $0 | $8K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | $0 | $7K | 2.76% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | UNKNOWN HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $773 | $773 | 0.32% |
| NJ CAR SERVICES, INC.3 | 865 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $313 | $0 | $313 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 3.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HEARTLAND | $1K | $0 | $1K | 4.76% |
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 | 498 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 434 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $161K |
| Vision | HEARTLAND | 417 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $161K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $239K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $239K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 434 | $2.9M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 498 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.