| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $257K | $34K | $290K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $51K | $0 | $51K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 22.54% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | THE PAUL REVERE LIFE INSURANCE COMPANY | $489 | $260 | $749 | 12.06% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $518 | $19 | $537 | 8.65% |
| ERIC IMMERMAN3 | 270 10TH STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $134 | $2 | $136 | 2.19% |
| SEAN COLRICK3 | 58 SOUTH TERRACE SHORT HILLS, NJ 07078 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $1 | $27 | 0.43% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.42% |
| MJ INSURANCE3 Filed as: BRIAN SUMMERS AND VARIOUS AGENTS | 2474 GREEN POINT LANE DENVER, NC 28037 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $1 | $14 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $92 | $2K | 36.92% |
| ADAM MAGGIO3 | 1450 GARDEN STREET HOBOKEN, NJ 07030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $510 | $362 | $872 | 19.60% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $296 | $43 | $339 | 7.62% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $17 | $41 | 0.92% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,011 | $7.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,011 | $7.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,011 | $7.2M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 475 | $527K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 475 | $527K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 475 | $527K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,011 | $7.2M |
| Other(5 contracts, 5 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 552 | $554K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.