| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 521 FIFTH AVENUE, 12TH FLOOR NEW YORK, NY 10175 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $14K | — | $14K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 EXECUTIVE DRIVE, SUITE 300 SOMERSET, NJ 08873 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $1K | $1K | $3K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $1K | — | $1K | 3.00% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $295 | $295 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 521 FIFTH AVENUE NEW YORK, NY 10175 | ZURICH AMERICAN INSURANCE COMPANY | $59 | — | $59 | 3.00% |
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 | 1,426 | 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) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,451 | $111K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,451 | $532K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 542 | $110K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,451 | $532K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 1,451 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,451 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.