| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE COMPANY | $159K | $0 | $159K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $24K | $611 | $25K | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $8K | $25K | 7.27% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 4.83% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | HARTFORD LIFE AND ACCIDENT | $0 | $15K | $15K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 1.48% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 970 | $8.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 970 | $8.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 970 | $8.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 449 | $315K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 379 | $342K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 379 | $342K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 970 | $8.5M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 449 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.