| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 1.96% |
| LOCKTON COMPANIES, LLC3 | ONE INTERNATIONAL PLAZA, 16TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.35% |
| JERALD A. RAFANIELLO3 | 103 WINDHAM ROAD BRISTOL, CT 06010 | AFLAC | $11K | $704 | $12K | 6.25% |
| MJ INSURANCE3 Filed as: JOHN S. BRADY AND VARIOUS AGENTS | PO BOX 526 MIDDLETOWN, CT 06457 | AFLAC | $7K | $0 | $7K | 3.91% |
| FRED A LUCIANO JR3 Filed as: FRED A. LUCIANO JR. | 23 SPRING VALLEY ROAD WOODBRIDGE, CT 06525 | AFLAC | $3K | $141 | $3K | 1.83% |
| JOHN W BRADY3 Filed as: JOHN W. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $3K | $0 | $3K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 10414 DES MOINES, IA 50306 | AFLAC | $2K | $0 | $2K | 0.92% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $2K | $141 | $2K | 0.92% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $1K | $0 | $1K | 0.73% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 908 | $882K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 908 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 908 | $882K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,783 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,783 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.