| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $0 | $40K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07653 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $104 | $15K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 755 WEST BIG BEAVER ROAD TROY, OH 48084 | MEDICAL MUTUAL OF OHIO | $4K | $2K | $6K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07653 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07653 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $356 | $6K | 11.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07653 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO OF NY | $1K | $0 | $1K | 11.00% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 148 | $68K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO OF NY | 99 | $10K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $47K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $47K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $47K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $1.5M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.