| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CENTER PO BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | $14K | $111K | 4.92% |
| MML INS AGENCY LLC3 | PO BOX 8089 BOSTON, MA 02266 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | GPO BOX 27447 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $57K | — | $57K | 3.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $10K | $17K | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $75K | $77 | $75K | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $61K | $499 | $62K | 4.93% |
| ST JEAN RICHARD A JR.3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $40K | $40K | 3.17% |
| SLAVUTIN DEBRA C3 Filed as: SLAVUTIN LEE J | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $28K | $260 | $29K | 2.30% |
| LAFFIE FREDRIC J3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $123 | $19K | 1.55% |
| LAFFIE FREDRIC J3 Filed as: LAFFIE SCOTT | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $53 | $17K | 1.34% |
| RANFTLE GARY P3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $6K | $6K | 0.44% |
| SLAVUTIN DEBRA C3 | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| BOOK MICHAEL A3 | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $484 | $484 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $48K | — | $48K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $96K | — | $96K | 28.60% |
| 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 | $16K | — | $16K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 4.98% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NC 11747 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $130 | $7K | 5.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3560 LENOX ROAD SUITE 2400 ATLANTA, GA 30326 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $804 | $3K | 10.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 25.00% |
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 | 1,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,427 | $417K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,368 | $1.1M |
| Vision | VISION SERVICE PLAN | 705 | $175K |
| Life insurance(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,416 | $4.2M |
| Short-term disability(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,416 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,416 | $2.7M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,636 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,427 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.