| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635832 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 4.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS & FI | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.05% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHDKEEPSIE, NY 12601 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC | $24K | — | $24K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST, PLAZA TWO 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ, INC | $2K | — | $2K | 4.71% |
| RUBEN WARNER ASSOCIATES, INC.3 Filed as: RUBEN WARNER ASSOCIATES INC | 300 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 17.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $85 | $85 | 0.21% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING EMPLOYEE | 110 MAIN ST POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.83% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW RD FL 3 STE 303 MELVILE, NY 117474721 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 C/O DONNA NAGRI WOODBURY, NY 117972530 | METROPOLITAN LIFE INSURANCE COMPANY | — | $133 | $133 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $533 | — | $533 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $267 | $267 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $76 | $76 | 1.43% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | METROPOLITAN LIFE INSURANCE COMPANY | $772 | — | $772 | 15.01% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 108 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $5K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 131 | $75K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.