| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $15K | $10K | $25K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 3.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVE STE 401 BOSTON, MA 021997652 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 18.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY-NE | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 771 | $6.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 771 | $5.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 771 | $5.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $441K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $441K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $441K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 403 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.