| 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 | $159K | $39K | $198K | 6.07% |
| 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 | $131K | $45K | $177K | 6.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $111K | — | $111K | 8.54% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | $28K | $44K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $36K | — | $36K | 2.74% |
| LEE J. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | $65 | $20K | 1.54% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC J. LAFFIE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $24 | $12K | 0.94% |
| SCOTT LAFFIE3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $18 | $11K | 0.85% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY P. RANFTLE | 1393 VETERANS MEMORIAL HIGHWAY SUITE 207S HAUPPAUGE, NY 117883070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 0.54% |
| GREGORY A. BLUM3 | C/O CENTER FOR WEALTH PRESERVATION 6800 JERICHO TPKE, #2002W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 0.44% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $233 | $3K | 0.23% |
| DEBRA C. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $596 | — | $596 | 0.05% |
| HOWARD B. COWAN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $72 | — | $72 | 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 | $147K | — | $147K | 28.24% |
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | — | $107K | 20.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $9K | — | $9K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 8.53% |
| 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 | $210 | $6K | 6.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $10K | 9.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $5K | — | $5K | 27.01% |
| 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 | $834 | — | $834 | 24.99% |
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 | 1,378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,128 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,356 | $967K |
| Vision | VISION SERVICE PLAN | 761 | $181K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,067 | $6.1M |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,067 | $3.9M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,067 | $4.6M |
| Other(6 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,067 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,067 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.