| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $75K | — | $75K | 1.02% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVCS INC | ATTN SOUTHBOROUGH, MA B AND B INS 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $60K | — | $60K | 0.81% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVCS INC | ATTN SOUTHBOROUGH MA B AND B INS 144 TURNPIKE RD, STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $155K | — | $155K | 2.58% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF MASSACHUSETTS | 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY | $82K | — | $82K | 1.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVCS INC | 144 TURNPIKE ROAD SUITE 330 SOUTHBOROUGH, MA 01772 | AETNA LIFE INSURANCE CO. | $78K | — | $78K | 13.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $54K | — | $54K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | P.O. BOX 7247-6377 PHILADELPHIA, PA 19170 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 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 | 19,091 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,383 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 35 | $462K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 35,395 | $16.9M |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 26,258 | $2.9M |
| Life insurance | STANDARD INSURANCE COMPANY | 21,709 | $6.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 38,428 | $7.4M |
| Other(4 contracts, 4 carriers) | MAGELLAN HEALTHCARE | 47,958 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,958 | — |
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."
No prospect flags tripped on this filing.