| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $132 | $5K | 2.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $6K | $11K | 10.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $2K | $14K | 31.85% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 S BROADWAY SUITE 415 WHITE PLAINS, NY 10601 | FIRST UNUM LIFE INSURANCE COMPANY | $604 | — | $604 | 3.26% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $426 | — | $426 | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $30 | $2K | 10.40% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | -$43 | — | -$43 | -0.24% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $548 | $50 | $598 | 31.54% |
| LONG ISLAND EMPLOYEE BENEFITS GROUP3 | 325 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $82 | — | $82 | 8.66% |
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 | 1,218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 708 | $10.8M |
| Dental | SELE-DENT DISCOUNT DENTAL PLANS | 291 | $21K |
| Vision | HM LIFE INSURANCE COMPANY | 1,126 | $81K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,224 | $223K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 78 | $64K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,290 | $112K |
| Prescription drug | EMBLEMHEALTH | 708 | $10.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,290 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.