| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | $105K | $0 | $105K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 401 BROADWAY ROAD, SUITE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $8K | 4.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $200 | $200 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.28% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | COMPANION LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $504 | $281 | $785 | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 7.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $422 | $250 | $672 | 1.31% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $832 | $96 | $928 | 6.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE PAUL REVERE LIFE INSURANCE COMPANY | $575 | $0 | $575 | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $339 | $0 | $339 | 2.54% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.16% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVENUE APARTMENT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.15% |
| TUCTO & ASSOCIATES CORP3 Filed as: TUCTO & ASSOCIATES CORP AND OTHERS | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.10% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $104 | $62 | $166 | 1.32% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $702 | $73 | $775 | 6.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE PAUL REVERE LIFE INSURANCE COMPANY | $541 | $0 | $541 | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $233 | $0 | $233 | 1.98% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.21% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVENUE APARTMENT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.21% |
| TUCTO & ASSOCIATES CORP3 Filed as: TUCTO & ASSOCIATES CORP AND OTHERS | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.13% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.12% |
| ADP INC5 Filed as: AUTOMATIC DATA PROCESSING INC | PO BOX 842875 BOSTON, MA 02284 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 45.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MUTUAL OF OMAHA INSURANCE COMPANY | $402 | $0 | $402 | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $38 | $21 | $59 | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MUTUAL OF OMAHA INSURANCE COMPANY | $244 | $0 | $244 | 9.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $22 | $13 | $35 | 1.32% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $176K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $176K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $251K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $228K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $4.2M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.