| 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 | $35K | $1K | $36K | 4.92% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $26K | — | $26K | 5.31% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $19K | — | $19K | 5.45% |
| 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 | 4.56% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $78 | $2K | 6.75% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $578 | — | $578 | 9.99% |
| FNA INSURANCE SERVICES INC3 | C/O HUB INTERNATIONAL NORTHEAS 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | HM LIFE INSURANCE COMPANY OF NEW YORK | $289 | — | $289 | 5.00% |
| 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 | $557 | — | $557 | 10.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLANS, NY 10604 | HARTFORD LIFE AND ACCIDENT | $234 | — | $234 | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | — | $59 | $59 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635832 | UNITEDHEALTHCARE INSURANCE COMPANY | $242 | — | $242 | 9.98% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 97 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 113 | $86K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 59 | $6K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $38K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 108 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.