| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $3.6M | $3.6M | 93.41% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER 601 UNION ST, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVENUE OF AMERICAS 23F NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $10K | — | $10K | 19.56% |
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 | 6,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 797 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 129 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 844 | $2.7M |
| Dental | AETNA LIFE INSURANCE CO. | 527 | $91K |
| Vision(4 contracts, 3 carriers) | COMBINED INSURANCE COMPANY OF NEW YORK (EYEMED) | 5,124 | $730K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,631 | $3.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,631 | $3.8M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC- CA | 251 | $3.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 40,722 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,722 | — |
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.