| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD J. FUERSTENBERG3 | ONE UNIVERSITY SQUARE DR. STE 100 PRINCETON, NJ 08540 | ZURICH AMERICAN LIFE INSURANCE | $29K | — | $29K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ZURICH AMERICAN LIFE INSURANCE | — | $25K | $25K | 1.92% |
| RICHARD J. FUERSTENBERG3 | ONE UNIVERSTIY SQUARE DR. STE 100 PRINCETON, NJ 08540 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4545 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 1.56% |
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 | 10,751 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 10,751 | $298K |
| Other | ZURICH AMERICAN LIFE INSURANCE | 10,751 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,751 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.