| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $23K | $23K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $8K | $59K | 22.50% |
| US BEN TEC WORKPLACE SOLUTIONS, LLC3 | 99 WOOD AVENUE SOUTH SUITE 501 ISELIN, NJ 08830 | LEGALPLANS, USA | — | $2K | $2K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEITLIN BENEFITS | 6700 NORTH ANDREWS AVENUE SUITE 300 FORT LAUDERDALE, FL 33309 | LEGALPLANS, USA | — | $965 | $965 | 3.00% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES, INC. | 355 ALHAMBRA CIRCLE SUITE 1550 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.54% |
| MICHAEL J ESKRA3 Filed as: MICHAEL J. ESKRA | 355 ALHAMBRA CIRCLE SUITE 1550 CORAL GABLES, FL 33134 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.14% |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FLORIDA BLUE | 1,021 | $10.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,133 | $803K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,819 | $122K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,171 | $890K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,171 | $890K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,171 | $890K |
| Prescription drug(2 contracts, 2 carriers) | FLORIDA BLUE | 1,162 | $16.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,171 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,133 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.