| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 1 HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11748 | UNITEDHEALTHCARE INSURANCE COMPANY | $187K | — | $187K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 1 HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11748 | GUARDIAN | $38K | $8K | $47K | 4.14% |
| BENETEK CORPORATION5 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | GUARDIAN | $42K | — | $42K | 3.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 1 HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11748 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | — | $306 | 3.33% |
| FRANK M DARTEE3 | 2 QUINCY DR OAK RIDGE, NJ 07438 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 2.23% |
| CHARLENE ALPAY3 | 606 W 116TH ST NEW YORK, NY 10027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $4 | $118 | 1.29% |
| MICHELLE DARTEE3 | PO BOX 274 SPARTA, NJ 07871 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 1.00% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER CT HENDERSON, NV 89015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.26% |
| CLARICE R MIMS3 | 133 HILLCREST DRIVE MARLBORO, NY 12542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.19% |
| MARCI REDMOND3 | 680 MACDONOUGH ST BROOKLYN, NY 11233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.11% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE APARTMENT 107 UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.07% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $4 | $5 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 1 HUNTINGTON QUADRANGLE SUITE N402 MELVILLE, NY 11748 | THE PAUL REVERE LIFE INSURANCE COMPANY | $88 | — | $88 | 2.00% |
| FRANK M DARTEE3 | 2 QUINCY DR OAK RIDGE, NJ 07438 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.73% |
| CHARLENE ALPAY3 | 606 W 116TH ST NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | — | $56 | 1.27% |
| MICHELLE DARTEE3 | PO BOX 274 SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GUARDIAN EIN 13-5123390 CLAIMS PROCESSING | Claims processing Service code 12 | — | $73K |
| KINLOCH CONSULTING GROUP, INC. | Other commissions Service code 55 | — | $27K |
| BENETEK CORPORATION | Other commissions Service code 55 | — | $3K |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 498 | $9.4M |
| Vision | GUARDIAN | 604 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 604 | $1.1M |
| Short-term disability | GUARDIAN | 604 | $1.1M |
| Long-term disability | GUARDIAN | 604 | $1.1M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 498 | $9.4M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 604 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.