| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | $0 | $98K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | 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 112TH STREET, APARTMENT 1 NEW YORK, NY 10029 | AFLAC | $4K | $209 | $4K | 15.64% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $820 | $49 | $869 | 3.12% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO JAVIER MONTENNEGRO | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $662 | $22 | $684 | 2.46% |
| MARSHAL & STERLINE EMPLOYEE BENEFIT3 Filed as: MARSHAL & STERLING AND OTHER AGENTS | 110 MAIN STREET, SUITE 1A POUGHKEEPSIE, NY 12601 | AFLAC | $262 | $45 | $307 | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $296 | $0 | $296 | 1.06% |
| DOUGLAS MEIER3 Filed as: DOUGLAS S. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $221 | $27 | $248 | 0.89% |
| S BEIN INC3 Filed as: S. BEIN, INC. | 8676 SW CARRARA WAY PORT SAINT LUCIE, FL 34987 | AFLAC | $75 | $0 | $75 | 0.27% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $137K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $137K |
| Life insurance | AFLAC | 24 | $28K |
| Short-term disability | AFLAC | 24 | $28K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $2.8M |
| Other(2 contracts, 2 carriers) | AFLAC | 360 | $48K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.