| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC - NJ | 1 EXECUTIVE DR SOMERSET, NJ 088734002 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 4.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 106043546 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.53% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | MVP HEALTH CARE | $20K | — | $20K | 5.39% |
| 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 | $3K | — | $3K | 5.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $4K | $287 | $5K | 13.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 5.00% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL AND STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 126016707 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635832 | UNITEDHEALTHCARE INSURANCE COMPANY | $529 | — | $529 | 8.65% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | HM LIFE INSURANCE COMPANY OF NEW YORK | $525 | — | $525 | 10.00% |
| FNA INSURANCE SERVICES INC3 | C/O HUB INTERNATIONAL NORTHEAS 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | HM LIFE INSURANCE COMPANY OF NEW YORK | $263 | — | $263 | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PL TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $503 | — | $503 | 10.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLANS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $252 | $252 | 5.29% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MVP HEALTH CARE | 61 | $377K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 105 | $81K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 50 | $5K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $36K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.