| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 60 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $42K | — | $42K | 2.64% |
| WORLD INSURANCE ASSOCIATES LLC3 | 323 W 39TH STREET 11TH FLOOR NEW YORK, NY 10018 | AETNA LIFE INSURANCE CO. | $41K | — | $41K | 2.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 0.83% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA TWO SADDLE BROOK, NJ 07663 | SHELTERPOINT LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLR ISELIN, NJ 08830 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVENUE NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $738 | — | $738 | 3.74% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $484 | $484 | 2.46% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 241 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 241 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $20K |
| Other | SHELTERPOINT LIFE INSURANCE COMPANY | 390 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.