| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | — | COMMUNITY INSURANCE COMPANY | $4K | $1K | $5K | 4.11% |
| ANGELA MASSARELLI3 Filed as: ANGELA ROMERO | — | UNITED HEALTHCARE | $6K | — | $6K | 10.31% |
| ANGELA ROMERO INSURANCE AGENCY, INC3 | — | NATIONWIDE INSURANCE | $1K | — | $1K | 7.09% |
| CLOSER TO THE HEART BENEFITS3 | — | NATIONWIDE INSURANCE | $1K | — | $1K | 7.09% |
| ANGELA MASSARELLI3 Filed as: ANGELA OMERO INSURANCE AGENCY | — | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 10.02% |
| ANGELA ROMERO INSURANCE AGENCY, INC3 Filed as: ANGELA ROMERO INSURANCE AGENCY | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | — | $741 | 13.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | $112 | $888 | 15.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $832 | $120 | $952 | 17.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGCY INC | — | ANTHEM LIFE INSURANCE COMPANY | $307 | — | $307 | 10.00% |
| ANGELA MASSARELLI3 Filed as: ANGELA ROMERO INSURANCE | — | VISION SERVICE PLAN | $190 | — | $190 | 9.10% |
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 | 1,444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 17 | $204K |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 24 | $135K |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,061 | $171K |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,525 | $150K |
| Short-term disability(3 contracts, 2 carriers) | LIBERT LIFE ASSURANCE COMPANY OF BOSTON | 1,223 | $271K |
| Long-term disability(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 881 | $199K |
| Prescription drug(3 contracts, 3 carriers) | COMMUNITY INSURANCE COMPANY | 24 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,525 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.