| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE | — | $204K | $204K | 0.87% |
| CBS INSURANCE LLP Filed as: CBS CORPORATION | 51 WEST 52 STREET NEW YORK, NY 10019 | METROPOLITAN LIFE INSURANCE | — | $125K | $125K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE | $115K | $42 | $115K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE | — | $19K | $19K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE | $12K | $42 | $12K | 0.05% |
| RICHARD J. FUERSTENBERG3 | ONE UNIVERSITY SQUARE DR STE 100 PRINCETON, NJ 08540 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $103K | $175K | $277K | 6.75% |
| RGA WEALTH MANAGEMENT GROUP INC3 | 26 COURT ST. SUITE 1616 BROOKLYN, NY 11242 | KAISER FOUNDATION HEALTH PLAN INC. | $96K | — | $96K | 2.99% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT INC | 26 COURT ST. SUITE 1616 BROOKLYN, NY 11242 | KAISER FOUNDATION HEALTH PLAN INC. | $78K | — | $78K | 3.01% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP | 26 COURT ST. SUITE 1616 BROOKLYN, NY 11242 | UPMC HEALTH PLAN | $61K | — | $61K | 3.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | AETNA INC. | $82 | — | $82 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY , SUITE 3201 ONE LIBERTY PLAZA NEW YORK, NY 10006 | AMERICAN INTERNATIONAL LIFE | $54K | — | $54K | 15.00% |
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 | 11,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 596 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA INC. | 1,710 | $511K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE | 29,733 | $23.8M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 11,144 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,733 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.