| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.25% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC. | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | — |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INSURANCE | 110 MAIN STREET POUGHKEEPSIE, NY 12601 | DELTA DENTAL OF NEW YORK | $487 | — | $487 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 THIRD PARTY ADMIN | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $854K |
| EMPIRE HEALTHCHOICE HMO, INC. EIN 13-3874803 THIRD PARTY ADMIN | Other fees; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $48K |
| EXPRESS SCRIPTS, INC. EIN 31-1714795 PHARMACY BENEFIT MGR | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $0 |
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 | 1,330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 681 | $0 |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 685 | $73K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $55K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,330 | $1.0M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 685 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.