| 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. | $5K | — | $5K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $149 | $4K | 15.89% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $635 | $151 | $786 | 3.47% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $560 | $25 | $585 | 2.59% |
| GERMAINE B HENSS3 | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $1 | $381 | 1.68% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $46 | $351 | 1.55% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $5 | $67 | 0.30% |
| MARIE THERESE EGRIE3 | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.27% |
| ANZA & ANZA AND ASSOCIATES3 | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.05% |
| CONSTANZA DEL GARCIA3 | 109 TEAL LANE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBETH, PA 19072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| GPA3 | 12770 MERIT DRIVE DALLAS, TX 75251 | WESTPORT INSURANCE CORPORATION | $1K | — | $1K | 9.99% |
| 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 | $930 | — | $930 | 9.09% |
| 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 | $488 | $103 | $591 | 18.39% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | WESTPORT INSURANCE CORPORATION | 119 | $14K |
| Dental | DELTA DENTAL OF NJ, INC. | 116 | $71K |
| Vision | HEARTLAND FIDELITY INSURANCE COMPANY | 179 | $10K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 124 | $26K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 36 | $23K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 124 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.