| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $67K | — | $67K | 5.11% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | — | $16K | $16K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | GPO BOX 27447 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $49K | — | $49K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY SUITE 210 N HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $772 | $3K | 0.26% |
| FREDRIC J LAFFIE3 | 6800 JERICHO TPKE SUITE 202W SYOSSET, NY 11791 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| LEE J. SLAVUTIN3 Filed as: LEE J SLAVUTIN | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $52K | — | $52K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $25K | — | $25K | 5.94% |
| EMERSON REID LLC3 | 5200 N PALM AVENUE SUITE 114 FRESNO, CA 93704 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $23K | — | $23K | 5.51% |
| DEBRA C. SLAVUTIN3 Filed as: DEBRA C SLAVUTIN | 530 FIFTH AVENUE 12TH FLOOR NEW YORK, NY 10036 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $242 | — | $242 | 0.06% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC LAFFIE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $242 | — | $242 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $570 | — | $570 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.39% |
| CHRISTOPHER S. BRADY3 Filed as: CHRISTOPHER S BRADY | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $389 | — | $389 | 0.30% |
| LEE J. SLAVUTIN3 Filed as: LEE SLAVUTIN | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $194 | — | $194 | 0.15% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC LAFFIE | 6800 JERICHO TPKE SUITE 202W SYOSSET, NY 11791 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $97 | — | $97 | 0.08% |
| SCOTT LAFFIE3 | 6800 JERICHO TPKE SUITE 202W SYOSSET, NY 11791 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $97 | — | $97 | 0.08% |
| WELLS FARGO INSURANCE SERVICES3 | 330 MADISON AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE | $1K | — | $1K | 3.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE | — | $968 | $968 | 2.60% |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,483 | $930K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,430 | $1.2M |
| Vision | VISION SERVICE PLAN | 696 | $174K |
| Life insurance(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,357 | $1.7M |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 205 | $128K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,273 | $1.2M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,636 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,483 | — |
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.