| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 12.20% |
| MICHAEL ANTHONY CHANDLER | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 6.43% |
| SA GENERAL AGENCY INC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 1.85% |
| THOMAS SNYDER | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $463 | $781 | 0.59% |
| HORIZON BENEFITS LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $147 | $703 | 0.53% |
| JENNIFER E LUBELSKY | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $0 | $166 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419814 BOSTON, MA 02241 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 ATTN - ACCOUNTING SAN DIEGO, CA 92186 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SLIS EIN 27-0142436 STOP LOSS AND TRANSPLANT | Other insurance fees and expenses Service code 73 | — | $479K |
| INNOVATIVE INSURANCE SPECIALISTS EIN 20-1842509 INSURANCE NETWORK | Other services; Plan Administrator Service code 14 | — | $222K |
| GROUP BENEFIT SERVICES EIN 52-1200892 BROKER | Insurance brokerage commissions and fees; Plan Administrator Service code 14 | — | $132K |
| MARSH & MCLENNAN AGENCY LLC BROKER | Insurance brokerage commissions and fees Service code 53 | — | $129K |
| WESTON PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $64K |
| MULTIPLAN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $16K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $7K |
| HEALTHCARE INTERACTIVE EIN 20-8995931 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $6K |
| MARSH & MCLENNAN PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $2K |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 240 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.