| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $296K | $34K | $330K | 12.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | GPO BOX 27447 NEW YORK, NY 100877447 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $1K | $6K | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE & INVESTMENT CORP | 4 CHASE METROTECH CENTER, FLOOR 7E PO BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $115K | $39K | $155K | 6.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $74K | — | $74K | 6.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $40K | — | $40K | 3.39% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $15K | $13K | $28K | 2.40% |
| LEE J. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | $32 | $22K | 1.85% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC J. LAFFIE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $27 | $13K | 1.14% |
| SCOTT LAFFIE3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $57 | $12K | 1.02% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY P. RANFTLE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914488 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $734 | $8K | 0.68% |
| GREGORY A. BLUM3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | — | $7K | 0.60% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $117 | $4K | 0.32% |
| DEBRA C. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $686 | $8 | $694 | 0.06% |
| HOWARD B. COWAN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $156 | — | $156 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $45K | — | $45K | 5.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $117K | — | $117K | 29.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 5.00% |
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 22.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $594 | $7K | 5.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $756 | $6K | 7.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 102811003 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 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 | 1,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,149 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,385 | $978K |
| Vision | VISION SERVICE PLAN | 751 | $178K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,075 | $5.1M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,075 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,075 | $3.8M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,075 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,075 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.