| 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 | $2K | $3K | $5K | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $0 | $464 | $464 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $0 | $53K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NIA GROUP, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $799 | $215 | $1K | 16.14% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 5550 GLADES ROAD, SUITE 308 BOCA RATON, FL 33431 | AFLAC | $63 | $0 | $63 | 3.66% |
| MEGAN E VECKMAN3 | 307 EAST BAY CEDAR CIRCLE JUPITER, FL 33458 | AFLAC | $39 | $0 | $39 | 2.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST, SUITE 100 MIAMI, FL 33178 | AFLAC | $27 | $0 | $27 | 1.57% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 2908 TIMEWINDER WAY COLUMBIA, TN 38401 | AFLAC | $15 | $0 | $15 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $40 | $0 | $40 | 11.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NIA GROUP, MARSH & MCLENNAN AGENCY | 161 WASHINGTON STREET, SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $0 | $6 | $6 | 1.80% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 366 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 366 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 366 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $352K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $353K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $352K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 366 | $2.6M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 433 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.