| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1 EXECUTIVE DRIVE SOMERSET, NJ 08873 | OXFORD HEALTH INSURANCE, INC | $30K | $348 | $31K | 4.73% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $18K | — | $18K | 4.62% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $8K | — | $8K | 6.22% |
| 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 | 4.60% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $876 | $3K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MACLENNAN AGENCY LLC | PARK 80 W PL TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $566 | — | $566 | 10.61% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | — | $61 | $61 | 1.14% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $426 | — | $426 | 10.00% |
| FNA INSURANCE SERVICES INC3 | C/O HUB INTERNATIONAL NORTHEAS 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | HM LIFE INSURANCE COMPANY OF NEW YORK | $213 | — | $213 | 5.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 98 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 111 | $84K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 55 | $4K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $39K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.