| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | PARK 80 WEST, PLAZA TWO, 250 PEHLE SUITE 200 SADDLE BROOK, NJ 07663 | CONNECTICARE, INC. | $42K | $2K | $43K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC | PARK 80 W PLAZA TWO 250 PEHLE AVE SUITE 200 SADDLE BROOK, NJ 07663 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN LLC | PARK 80 W PLAZA 2 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $509 | $5K | 7.91% |
| MARSH & MCLENNAN AGENCY LLC | PARK 80 W PLAZA 2 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $382 | $4K | 7.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE | $1K | $0 | $1K | 9.91% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 231 | $1.1M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | 137 | $89K |
| Life insurance | UNITED HEALTHCARE | 203 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 90 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.