| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $127K | $71K | $198K | 3.12% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $94K | $94K | 1.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 19113 | HARTFORD LIFE AND ACCIDENT | — | $47K | $47K | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH PLAN OF NEW YORK (HIP) | $62K | — | $62K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 0.62% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $855 | $855 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $1K | $46K | 60.65% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $1K | $40K | 61.01% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $883 | $29K | 60.71% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.72% |
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 | 3,373 | 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) | 3,373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEW YORK (HIP) | 185 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,965 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,064 | $6.4M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,965 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,064 | — |
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.