| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH INSURANCE, INC. | $48K | — | $48K | 2.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC. | $34K | $2K | $36K | 1.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHILE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $505 | $505 | 0.36% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $140 | — | $140 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 WESTCHESTER AVENUE, SUITE 102 WHITE PLAINS, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 49.82% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | ONE BELMONT AVENUE, SUITE 304 BALA CYNWYD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.30% |
| RICHARD T WHELAN3 Filed as: RICHARD T. WHELAN | 630 BOULEVARD, SUITE 100 ELMWOOD PARK, NJ 07407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | — | $293 | 3.01% |
| AMWINS3 Filed as: AMWINS BENEFIT GROUP | 50 WHITECAP DRIVE NORTH KINGSTOW, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 1.58% |
| MARTIN F. CONROY3 | PO BOX 475 HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 1.22% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 16 INTERNATIONAL WAY WARWICK, RI 02886 | TRANSAMERICA | $36 | — | $36 | 10.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 500 BOYLSTON STREET, SUITE 300 BOSTON, MA 02116 | TRANSAMERICA | $25 | — | $25 | 7.20% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 395 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $140K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $10K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $10K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 395 | $2.1M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 361 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.