| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CORPORATION | $5K | $305 | $5K | 7.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE CORPORATION | $3K | — | $3K | 4.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, NJ 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 2.31% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, NJ 07024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $549 | — | $549 | 24.52% |
| UNKNOWN4 | 605 THIRD AVENUE, 24TH FLOOR NEW YORK, NY 10158 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $424 | — | $424 | 18.94% |
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 | 84 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CORPORATION | 119 | $66K |
| Vision | AETNA LIFE INSURANCE CORPORATION | 119 | $66K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $65K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $65K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 84 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.