| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $77K | $19K | $96K | 6.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $32 | $70K | 4.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $79K | — | $79K | 10.32% |
| RICHARD A ST JEAN3 | 280 CONGRESS ST STE 1300 BOSTON, MA 022101004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | $10K | $28K | 3.61% |
| LEE J. SLAVUTIN3 Filed as: LEE J SLAVUTIN | 100 RIVERSIDE DR #15D NEW YORK, NY 100244822 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $54 | $9K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.04% |
| FREDRIC J LAFFIE3 | 6800 JERICHO TPKE STE 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $238 | $6K | 0.76% |
| SCOTT LAFFIE3 | 6800 JERICHO TPKE SUITE 202W SYOSSET, NY 11791 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $25 | $5K | 0.66% |
| GARY LEVINE AND ASSOCIATES LTD3 Filed as: GARY P RANFTLE | 1393 VETERANS MEMORIAL HWY STE 307S HAUPPAUGE, NY 117883070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 0.56% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 0.37% |
| GREGORY A. BLUM3 Filed as: GREGORY A BLUM | WEALTH PRESERVATION 6800 JERICHO TPKE # 202W SYOSSET, NY 117914436 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.35% |
| DEBRA C. SLAVUTIN3 Filed as: DEBRA C SLAVUTIN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $225 | — | $225 | 0.03% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $183K | — | $183K | 28.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $28K | — | $28K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $6K | — | $6K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $2K | — | $2K | 4.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $400 | — | $400 | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $554 | $4K | 8.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $613 | $5K | 9.25% |
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 | 1,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 2,006 | $802K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,489 | $611K |
| Vision | VISION SERVICE PLAN | 764 | $114K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,042 | $3.1M |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,042 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,042 | $2.3M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,042 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,042 | — |
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.