| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 3.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 1.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $18K | 9.40% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICANS 36TH FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 176 FEDERAL ST FL MEZZ BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | EYEMED VISION CARE | $2K | $0 | $2K | 8.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $236 | $0 | $236 | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOSTONIAN GROUP INS | 500 BOYLSTON STREET 3RD FLOOR BOSTON, MA 02116 | EYEMED VISION CARE | $221 | $0 | $221 | 0.78% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 497 | $28K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 442 | $758K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 403 | $195K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 442 | $758K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.