| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $151K | $0 | $151K | 2.17% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | GUARDIAN | $35K | $0 | $35K | 3.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | GUARDIAN | $32K | $0 | $32K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $0 | $323 | 2.94% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $0 | $246 | 2.24% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 1.38% |
| KIM ELIZABETH DUNHAM & OTHER AGENTS3 Filed as: KIM ELIZABETH DUNHAM | 828 SAFFLOWER CT. HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.24% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLIAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $492 | $0 | $492 | 17.32% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $341 | $0 | $341 | 12.01% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $295 | $0 | $295 | 10.39% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $185 | $0 | $185 | 6.51% |
| MARCI REDMOND3 | 680 MACDONOUGH STREET BROOKLYN, NY 11233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.11% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,076 | $6.9M |
| Dental | GUARDIAN | 534 | $891K |
| Vision | GUARDIAN | 534 | $891K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 534 | $902K |
| Short-term disability | GUARDIAN | 534 | $891K |
| Long-term disability | GUARDIAN | 534 | $891K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,076 | $6.9M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 534 | $905K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.