| 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 | $148K | $37K | $184K | 5.98% |
| 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 | $143K | $43K | $187K | 7.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $126K | — | $126K | 10.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $34K | — | $34K | 2.86% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $20K | $4K | $24K | 2.01% |
| LEE J. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $62 | $19K | 1.59% |
| FREDRIC J LAFFIE3 Filed as: FREDRIC J. LAFFIE | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $50 | $12K | 0.98% |
| SCOTT LAFFIE3 | 6800 JERICHO TURNPIKE SUITE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $34 | $10K | 0.88% |
| 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 | $10 | $6K | 0.50% |
| GREGORY A. BLUM3 | C/O CENTER FOR WEALTH PRESERVATION 6800 JERICHO TPKE, #2002W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $63 | $6K | 0.49% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| DEBRA C. SLAVUTIN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $573 | — | $573 | 0.05% |
| HOWARD B. COWAN3 | 90 PARK AVENUE FLOOR 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | — | $63 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $46K | — | $46K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $136K | — | $136K | 23.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $10K | — | $10K | 5.00% |
| 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 | $225 | $6K | 4.38% |
| FREDERICK W. HOWARTH III3 | TBG WEST INSURANCE SERVICES 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $1K | $10K | 9.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.24% |
| 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 | $0 | — | $0 | — |
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 | 1,443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,044 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,486 | $1.1M |
| Vision | VISION SERVICE PLAN | 792 | $191K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,216 | $5.6M |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,216 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,216 | $4.3M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,216 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,216 | — |
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.