| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $74K | $74K | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 9.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ELMER BROWN | 212 EAST 112 STREET, APARTMENT 1 NEW YORK, NY 10029 | AFLAC | $6K | $584 | $6K | 22.52% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $1K | $136 | $1K | 4.88% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $765 | $136 | $901 | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | AFLAC | $388 | $0 | $388 | 1.35% |
| KOBER ASSOCIATES LLC3 Filed as: KOBER ASSOCIATES AND OTHER AGENTS | 57-12 12TH AVENUE BEECHHURST, NY 11357 | AFLAC | $167 | $0 | $167 | 0.58% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $115 | $0 | $115 | 0.40% |
| S BEIN INC3 Filed as: S. BEIN, INC. | 8676 SW CARRARA WAY PORT SAINT LUCIE, FL 34987 | AFLAC | $82 | $0 | $82 | 0.29% |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $142K |
| Life insurance | AFLAC | 31 | $29K |
| Short-term disability | AFLAC | 31 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $2.5M |
| Other(2 contracts, 2 carriers) | AFLAC | 360 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.