| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $133K | — | $133K | 2.17% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE RD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP | 25 MELVILLE PARK RD SUITE 260 MELVILLE, NY 11474 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD MELVILLE, NY 11747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $806 | — | $806 | 7.56% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRL SPARTA, NJ 07871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $442 | $219 | $661 | 6.20% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $483 | — | $483 | 4.53% |
| CHARLENE ALPAY3 | 606 WEST 116TH ST NEW YORK, NC 10027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $72 | $280 | 2.63% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.27% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD MELVILLE, NY 11747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | — | $102 | 5.91% |
| CHARLENE ALPAY3 | 606 WEST 116TH ST NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $71 | $14 | $85 | 4.92% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $70 | — | $70 | 4.05% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $5 | $35 | 2.03% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $6.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $706K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $706K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $718K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $706K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $706K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 941 | $6.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 474 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.