| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.70% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ, INC. | $2K | $0 | $2K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 16.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 16.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $739 | $331 | $1K | 14.49% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 PARAMUS, NJ 07653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $2 | $92 | 2.02% |
| MICHELLE DARTEE3 | 58 FIELDSTONE TRAIL SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 1.80% |
| GILBERT J WEISMAN3 | 1418 CAMPANELLI DR. DELRAY BEACH, FL 33484 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 1.43% |
| ANDREW THOMAS CABRERA3 | 56 SUMMIT CT WESTFIELD, NJ 07090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $11 | $37 | 0.81% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST, STE. 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.29% |
| WILLIAM E GOOD3 | 545 TOM SAWYER ROAD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.15% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.15% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| GILBERT J WEISMAN3 | 14148 CAMPANELLI DR DELRAY BEACH, FL 33484 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $0 | $133 | 3.61% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | 66 ROUTE 17 PARAMUS, NJ 07653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.52% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE MADISON, NJ 07940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.41% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.11% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.11% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | ALPHA DENTAL PROGRAMS, INC | $73 | $0 | $73 | 2.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | $0 | $187 | 16.50% |
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 | 72 | 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) | 72 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 33 | $179K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 48 | $25K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 72 | $10K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 72 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.