| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $151K | $164K | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $39K | $0 | $39K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 7.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $479 | $0 | $479 | 4.02% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.34% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.19% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 4.07% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.24% |
| ANDREW THOMAS CABRERA3 | 115 MORRIS STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.13% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ACE AMERICAN INSURANCE COMPANY | $0 | $726 | $726 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | ACE AMERICAN INSURANCE COMPANY | $726 | $0 | $726 | 15.00% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 259 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 259 | $5.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 259 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 278 | $673K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 278 | $673K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 278 | $673K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 259 | $5.4M |
| Other(6 contracts, 6 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 296 | $702K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.