| 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. | $25K | $0 | $25K | 3.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVE., SUITE S-229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 825 MARYVILLE CENTRE DRIVE, SUITE 2 CHESTERFIELD, MO 63017 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.31% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC | 101 TREMONT STREET, 11TH FLOOR BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.27% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $932 | $932 | 2.36% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY, SUITE 1936 NEW YORK, NY 10004 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $792 | $792 | 2.01% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 136 | $632K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $39K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $39K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 136 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
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.