| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | ONE EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH INSURANCE, INC. | $127K | — | $127K | 3.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC. | -$18 | — | -$18 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $6K | $19K | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $3K | $22K | 38.43% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 14.26% |
| LORI A. FANEUF MCCASSIE3 Filed as: LORI ANNE MCCASSIE & OTHER AGENTS | 525 WASHINGTON STREET AUBURN, MA 01501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 11.82% |
| BEIYANIL E PENA3 | 97 LEE STREET PAWTUCKET, RI 02861 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $223 | $3K | 5.15% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $939 | $3K | 5.01% |
| EDWARD H SPATER3 | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $99 | $1K | 2.63% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $99 | $1K | 2.53% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $20K | $23K | 47.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16K | — | $16K | 34.34% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.77% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.07% |
| MJ INSURANCE3 Filed as: ERROL G NEWLAND & VARIOUS AGENTS | 45 WALKER ROAD TRUMBULL, CT 06611 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $141 | $3K | 5.53% |
| LLOYD COWAN3 | 250 LAKESIDE DRIVE BRIDGEPORT, CT 06606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $107 | $1K | 2.98% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $16K | $19K | 53.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12K | — | $12K | 34.21% |
| MJ INSURANCE3 Filed as: ROCO SOLUTIONS LLC & VARIOUS AGENTS | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $90 | $3K | 8.52% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $977 | $2K | 6.86% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.84% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $515 | $439 | $954 | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 44.68% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 16.75% |
| ROBERTA DICKINSON3 Filed as: ROBERTA J BAKKEN | 8012 WEST CORNING ROAD PEOTONE, IL 60468 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.60% |
| MAYRA L ZAYAGO BACA3 | 575 NORTH STRACK STREET CORTLAND, IL 60112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.56% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $788 | $394 | $1K | 5.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: STACY J BROWN AND VARIOUS AGENTS | 412 SOUTH CHANNEL DRIVE ROUND LAKE BEACH, IL 60073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $840 | $139 | $979 | 4.81% |
| DONNA V WERNER3 | PO BOX 684 FOREST PARK, IL 60130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $770 | $34 | $804 | 3.95% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $464 | $3K | $3K | 53.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 34.47% |
| WENDY JO PEARLROTH3 Filed as: WENDY JO PEARLROTH & OTHER AGENTS | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $441 | $46 | $487 | 8.25% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $241 | $165 | $406 | 6.88% |
| RAUL CAIRO JR3 Filed as: RAUL CAIRO JR. | 310 77TH STREET NORTH BERGEN, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $362 | — | $362 | 6.14% |
| KASSANDRA ANNE FAIR3 | 20 PATRIOTS PATH SOUTH BOUND BROOK, NJ 08880 | THE PAUL REVERE LIFE INSURANCE COMPANY | $155 | — | $155 | 2.63% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $140 | — | $140 | 2.37% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $403 | $2K | $3K | 55.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 34.68% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $768 | — | $768 | 15.49% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $205 | $140 | $345 | 6.96% |
| JAVIER DE LA3 | 1135 STONEWALL LANE SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $85 | — | $85 | 1.71% |
| MJ INSURANCE3 Filed as: FRANK M DARTEE & VARIOUS AGENTS | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $4 | $30 | 0.61% |
| KASSANDRA ANNE FAIR3 | 20 PATRIOTS PATH SOUTH BOUND BROOK, NJ 08880 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.40% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 16 INTERNATIONAL WAY WARWICK, RI 02886 | TRANSAMERICA | $459 | — | $459 | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 500 BOYLSTON STREET, SUITE 300 BOSTON, MA 02116 | TRANSAMERICA | $315 | — | $315 | 7.17% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | $485 | $569 | 55.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $356 | — | $356 | 34.50% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | — | $136 | 13.18% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $29 | $71 | 6.88% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | — | $46 | 4.46% |
| FRANK M DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $24 | $204 | 39.31% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $32 | $65 | 12.52% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $11 | $33 | 6.36% |
| FRANK M DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.19% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 652 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $299K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $299K |
| Life insurance(9 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $176K |
| Short-term disability(9 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,056 | $471K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 652 | $3.2M |
| Other(7 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,056 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.