| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | UNITEDHEALTHCARE INSURANCE COMPANY | $150K | $0 | $150K | 2.77% |
| BENETEK CORPORATION3 | 4275 WEST SAND LAKE ROAD ORLANDO, FL 32819 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 8.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $13K | $28K | 5.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $3K | $31K | 19.24% |
| ANDREW THOMAS CABRERA3 Filed as: ANDREW T. CABRERA AND OTHER AGENTS | 115 MORRIS STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 5.67% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 5.31% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $582 | $4K | 2.41% |
| ESTHER HOWARD3 | 2643 FLOOMOOR ROAD FLOSSMORR, IL 60422 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $248 | $3K | 1.85% |
| WILLETTA GRAVES3 | 5242 SOUTH DREXEL AVENUE CHICAGO, IL 60615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $206 | $3K | 1.65% |
| VICTORIA LLERAS3 | 10407 LEVEN BOULEVARD LOUISVILLE, KY 40229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $381 | $2K | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $4K | $45K | 28.05% |
| MJ INSURANCE3 Filed as: ROCO SOLUTIONS AND VARIOUS AGENTS | 52 SUSAN DRIVE NEWBURGH, NY 12550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $1K | $13K | 8.01% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 7.06% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $967 | $6K | 3.74% |
| ROSE VILLALON PASQUEL3 | 552 EAST CARSON STREET CARSON, CA 90745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $725 | $6K | 3.54% |
| MICHELLE GUERRERO3 | 1345 CABRILLO PARK DRIVE, C7 SANTA ANA, CA 92701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.98% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $344 | $3K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 19.09% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.96% |
| MJ INSURANCE3 Filed as: ROSEMARY MILLER AND VARIOUS AGENTS | 857 SHERMAN AVENUE THORNWOOD, NY 10594 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $800 | $5K | 3.58% |
| EMANUEL JULIAN ASURZA3 | 13500 SOUTHWEST 88TH STREET MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $855 | $5K | 3.36% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $1K | $4K | 3.10% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $715 | $4K | 2.91% |
| RICHARD A HARTMAN3 | 25 TAMARACK WAY PLEASANTVILLE, NY 10570 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $114 | $2K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $3K | $27K | 20.54% |
| MJ INSURANCE3 Filed as: CHELSEA TURGEON AND VARIOUS AGENTS | 197 LORENZO STREET WORCESTER, MA 01604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 7.53% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 5.46% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $515 | $3K | 2.58% |
| KARINA ALEXANDRA BARRIOS3 | 7000 NOVA DRIVE DAVIE, FL 33317 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $587 | $2K | 1.65% |
| MARGARET ANN WOLARIK3 | 90 HIGHLAND AVENUE MIDLAND PARK, NJ 07432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $719 | $2K | 1.61% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $322 | $2K | 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 | $20K | $0 | $20K | 16.03% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.19% |
| MJ INSURANCE3 Filed as: E. J. MINI-ESPEJO & VARIOUS AGENTS | 13500 SOUTHWEST 88TH STREET SUITE 211 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $454 | $5K | 4.18% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $195 | $3K | 2.68% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $540 | $3K | 2.58% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $377 | $2K | 1.33% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $544 | $0 | $544 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 19.23% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $279 | $2K | 5.55% |
| EMANUEL JULIAN ASURZA3 | 13500 SOUTHWEST 88TH STREET MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $241 | $1K | 4.76% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $791 | $258 | $1K | 3.72% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $689 | $138 | $827 | 2.93% |
| ORLANDO MENDEZ3 Filed as: ORLANDO MENDEZ & OTHER AGENTS | C/O YVONNE RODRIGUEZ GRAZIANO ORLANDO, FL 32809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $410 | $56 | $466 | 1.65% |
| RICHARD A HARTMAN3 | 25 TAMARACK WAY PLEASANTVILLE, NY 10570 | THE PAUL REVERE LIFE INSURANCE COMPANY | $311 | $19 | $330 | 1.17% |
| 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 | 20.54% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $246 | $2K | 5.64% |
| QUENTIN DOMINICK ALSTON3 Filed as: QUENTIN D. ALSTON AND OTHER AGENTS | 7 OAKWOOD STREET GREENLAWN, NY 11740 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $129 | $1K | 4.45% |
| EDGARDO JESUS MINI-ESPEJO3 | 13500 SOUTHWEST 88TH STREET SUITE 211 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $499 | $408 | $907 | 3.34% |
| EM FINANCIAL SERVICES LLC3 | 13500 SOUTHWEST 88TH STREET SUITE 211 MIAMI, FL 33186 | THE PAUL REVERE LIFE INSURANCE COMPANY | $903 | $0 | $903 | 3.33% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $718 | $150 | $868 | 3.20% |
| CHARLENE ALPAY3 | 606 WEST 116TH STREET NEW YORK, NY 10027 | THE PAUL REVERE LIFE INSURANCE COMPANY | $339 | $22 | $361 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 4.09% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 2.55% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.80% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.67% |
| WENDY JO PEARLROTH3 | 2323 PAMDALE WALK DRIVE FORT MILL, SC 29708 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 11.21% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | $5 | $49 | 3.87% |
| QUENTIN DOMINICK ALSTON3 | 7 OAKWOOD STREET GREENLAWN, NY 11740 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 2.37% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $3 | $24 | 1.89% |
| ANDREW HAHN3 | 7 OAKWOOD STREET GREENLAWN, NY 11740 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $1 | $19 | 1.50% |
| MJ INSURANCE3 Filed as: BRAD BIEL AND VARIOUS AGENTS | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.39% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 32.21% |
| RICHARD A HARTMAN3 | 25 TAMARACK WAY PLEASANTVILLE, NY 10570 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $1 | $21 | 14.09% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $2 | $12 | 8.05% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $2 | $8 | 5.37% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $1 | $7 | 4.70% |
| EDWARD H SPATER3 Filed as: EDWARD H. SPATER | PO BOX 351 EAST BROOKFIELD, MA 01515 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 6.00% |
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 | 908 | 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) | 908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 936 | $5.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 908 | $477K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 908 | $477K |
| Life insurance(12 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 908 | $780K |
| Short-term disability(12 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 908 | $780K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 936 | $5.4M |
| Other(12 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 908 | $780K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.