| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | GPO BOX 27447 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $59K | $9K | $67K | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $38K | $53K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CENTER PO BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $124K | $20K | $145K | 6.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $87K | — | $87K | 6.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53K | $641 | $54K | 4.31% |
| SLAVUTIN DEBRA C3 Filed as: SLAVUTIN LEE J | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27K | $500 | $28K | 2.23% |
| ST JEAN RICHARD A JR.3 | 101 FEDERAL STREET SUITE 800 BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $25K | $25K | 2.01% |
| LAFFIE FREDRIC J3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $78 | $17K | 1.39% |
| LAFFIE FREDRIC J3 Filed as: LAFFIE SCOTT | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $184 | $15K | 1.22% |
| RANFTLE GARY P3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.33% |
| SLAVUTIN DEBRA C3 | 530 FIFTH AVENUE 14TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $978 | — | $978 | 0.08% |
| BOOK MICHAEL A3 | 530 FIFTH AVENUE 11TH FLOOR NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $317 | $317 | 0.03% |
| BLUM GREGORY A3 | 6800 JERICHO TURNPIKE 2002W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $150 | $150 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $44K | — | $44K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $92K | — | $92K | 29.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $8K | — | $8K | 4.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 9.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $8K | 9.83% |
| 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 | 1,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,085 | $975K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,319 | $1.0M |
| Vision | VISION SERVICE PLAN | 717 | $178K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,461 | $5.6M |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,461 | $3.6M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,461 | $4.4M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,636 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,085 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.