| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 510 BANK STREET CAPE MAY, NJ 08204 | DELTA DENTAL OF NJ, INC. | $3K | — | $3K | 5.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - WI | 2725 SOUTH MOORLAND RD NEW BERLIN, WI 53151 | HEARTLAND FIDELITY INSURANCE COMPANY | $758 | — | $758 | 8.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC - NJ | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HEARTLAND FIDELITY INSURANCE COMPANY | $66 | — | $66 | 0.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635832 | METROPOLITAN LIFE INSURANCE COMPANY | $280 | $159 | $439 | 19.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 477 CAPE MAY, NJ 08204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | — |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $89 | $235 | — |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $8 | $129 | — |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $30 | $100 | — |
| GERMAINE B HENSS3 | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | — |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | — |
| ANZA & ANZA AND ASSOCIATES3 | 579 LANCASTER AVE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | — |
| CONSTANZA DEL GARCIA3 | 109 TEAL LANE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 125 | $661K |
| Dental | DELTA DENTAL OF NJ, INC. | 103 | $66K |
| Vision | HEARTLAND FIDELITY INSURANCE COMPANY | 143 | $9K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $2K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 40 | $0 |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 125 | $661K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.