| 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 | $154K | $0 | $154K | 1.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | GUARDIAN | $16K | $0 | $16K | 2.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | GUARDIAN | $10K | $0 | $10K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $511 | $0 | $511 | 4.61% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $358 | $0 | $358 | 3.23% |
| MICHELLE DARTEE3 | PO BOX 274 SPARTA, NJ 07871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $6 | $170 | 1.53% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $5 | $166 | 1.50% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.23% |
| MARCI REDMOND3 | 680 MACDONOUGH STREET BROOKLYN, NY 11233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.18% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 17290 HIGHLAND AVENUE APARTMENT 2B JAMAICA, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.07% |
| 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 | $357 | $0 | $357 | 8.08% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $238 | $0 | $238 | 5.39% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $215 | $0 | $215 | 4.87% |
| MICHELLE DARTEE3 | P.O. BOX 274 SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $3 | $139 | 3.15% |
| MARCI REDMOND3 | 680 MACDONOUGH STREET BROOKLYN, NY 11233 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN EIN 13-5123390 CLAIMS PROCESSING | Claims processing Service code 12 | — | $11K |
| KINLOCH CONSULTING GROUP, INC. EIN 20-8333487 BROKER | Other commissions Service code 55 | — | $4K |
| BENETEK CORPORATION BROKER | Other commissions Service code 55 | — | $2K |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,154 | $8.4M |
| Vision | GUARDIAN | 562 | $814K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 562 | $825K |
| Short-term disability | GUARDIAN | 562 | $814K |
| Long-term disability | GUARDIAN | 562 | $814K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,154 | $8.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 562 | $830K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.