| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $153K | $0 | $153K | 3.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $3K | $32K | 31.61% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $15K | $22K | 21.93% |
| MJ INSURANCE3 Filed as: YSENIA HERNANDEZ AND VARIOUS AGENTS | 4037 WEST 63RD STREET CHICAGO, IL 60629 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 9.20% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.23% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $82 | $4K | 3.61% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H. CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $777 | $3K | 3.10% |
| ROBERTA DICKINSON3 Filed as: ROBERTA J. BAKKEN | 8012 WEST CORNING ROAD PEOTONE, IL 60468 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $663 | $3K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $2K | $24K | 29.85% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $11K | $16K | 19.25% |
| MJ INSURANCE3 Filed as: ANDREW CABRERA AND VARIOUS AGENTS | 115 MORRIS STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 7.21% |
| BEIYANIL E PENA3 Filed as: BEIYANIL E. PENA | 115 POCASSET AVENUE PROVIDENCE, RI 02909 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $372 | $5K | 6.37% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.03% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $403 | $3K | 3.07% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 26.74% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $5K | $10K | 13.85% |
| ROBERT CIGNARELLI AND VAR AGENTS3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $368 | $6K | 8.98% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.59% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $160 | $2K | 2.45% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.80% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $982 | $0 | $982 | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 30.17% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $5K | $9K | 15.41% |
| MJ INSURANCE3 Filed as: ERROL NEWLAND AND VARIOUS AGENTS | 45 WALKER ROAD TRUMBULL, CT 06611 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $183 | $4K | 7.75% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $4K | 6.39% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $1K | $4K | 6.22% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $91 | $2K | 2.83% |
| LLOYD COWAN3 | 250 LAKESIDE DRIVE BRIDGEPORT, CT 06606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.60% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $2K | $3K | 13.86% |
| ROBERT CIGNARELLI AND VAR AGENTS3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $32 | $2K | 7.05% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $745 | $495 | $1K | 5.16% |
| MICHAEL ANTHONY SEAWRIGHT3 | 720 SAINT MARKS AVENUE BROOKLYN, NY 11216 | THE PAUL REVERE LIFE INSURANCE COMPANY | $624 | $0 | $624 | 2.60% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $503 | $52 | $555 | 2.31% |
| JENNIFER DELIA3 | THREE BLAUVELT ROAD BLAUVELT, NY 10913 | THE PAUL REVERE LIFE INSURANCE COMPANY | $420 | $0 | $420 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 27.52% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $974 | $1K | $2K | 14.62% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.95% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $491 | $325 | $816 | 5.55% |
| MJ INSURANCE3 Filed as: ANDREW HAHN AND VARIOUS AGENTS | 9308 242ND STREET BELLEROSE, NY 11426 | THE PAUL REVERE LIFE INSURANCE COMPANY | $345 | $29 | $374 | 2.55% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $199 | $21 | $220 | 1.50% |
| KASSANDRA ANNE FAIR3 | 20 PATRIOTS PATH SOUTH BOUND BROOK, NJ 08880 | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | $0 | $211 | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $512 | $0 | $512 | 22.57% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $124 | $140 | $264 | 11.64% |
| WENDY JO PEARLROTH3 | 3186 DOUGLAS DRIVE YORKTOWN HEIGHTS, NY 10598 | THE PAUL REVERE LIFE INSURANCE COMPANY | $141 | $0 | $141 | 6.22% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | $40 | $103 | 4.54% |
| ANDREW HAHN3 | 9308 242ND STREET BELLEROSE, NY 11426 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $2 | $62 | 2.73% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 1.41% |
| MJ INSURANCE3 Filed as: ROCO SOLUTIONS AND VARIOUS AGENTS | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $2 | $29 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $113 | $0 | $113 | 21.28% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | $33 | $61 | 11.49% |
| ANGELA PETULLO-ZIRPOLO3 | 13 OVERLOOK DRIVE RIVERDALE, NJ 07457 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 6.40% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | $2 | $24 | 4.52% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $9 | $23 | 4.33% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $9 | $101 | 32.69% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $39 | $56 | 18.12% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $5 | $16 | 5.18% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 1.62% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.32% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 64 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 839 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 748 | $329K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 748 | $329K |
| Life insurance(9 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 156 | $351K |
| Short-term disability(9 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 156 | $351K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 839 | $4.2M |
| Other(9 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 156 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.