| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $50K | — | $50K | 5.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $12K | — | $12K | 5.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $7K | — | $7K | 5.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | EYEMED | $4K | — | $4K | 3.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 2.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | — | $3K | 5.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES IN | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031737 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | — | $2K | 5.63% |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $250 | — | $250 | — |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $33K | — | $33K | — |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $13K | — | $13K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $26K |
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 | 2,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 652 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,792 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,661 | $0 |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 3,436 | $95K |
| Vision | EYEMED | 2,342 | $120K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 2,140 | $965K |
| Short-term disability(2 contracts) | CIGNA LIFE INSURANCE CO OF NEW YORK | 1,442 | $156K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 1,419 | $231K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,661 | $0 |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NEW YORK | 1,867 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,436 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.