| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $148K | $52K | $200K | 5.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $3K | $17K | 0.50% |
| LPL FINANCIAL CORP3 | PO BOX 509026 ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921509026 | METROPOLITAN LIFE INSURANCE COMPANY | $98K | — | $98K | 3.73% |
| 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 | — | $48K | $48K | 1.83% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESMENT CORP | 4 CHASE METROTECH CTR FL 7E PO BOX 26945 BROOKLYN, NY 112450003 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $53 | $9K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 27447 NEW YORK, NY 100877447 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $130K | — | $130K | 9.98% |
| RICHARD A ST JEAN3 | 280 CONGRESS ST STE 1300 BOSTON, MA 022101004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $27K | $7K | $34K | 2.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR FL 3 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $18K | — | $18K | 1.42% |
| SCOTT GREENFIELD3 | 4114 NW BRIARCLIFF CIR BOCA RATON, FL 334964064 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $17K | $17K | 1.33% |
| LEE J SLAVUTIN3 | #15D 100 RIVERSIDE DR NEW YORK, NY 100244822 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $19 | $13K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | — | $10K | 0.76% |
| FREDRIC J LAFFIE3 | 88 FROEHLICH FARM BLVD STE 320 WOODBURY, NY 117972944 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $19 | $8K | 0.59% |
| SCOTT LAFFIE3 | 88 FROEHLICH FARM BLVD STE 320 WOODBURY, NY 117972944 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $8 | $7K | 0.53% |
| GARY P. RANFTLE3 Filed as: GARY P RANFTLE | 1393 VETERAN MEMORIAL HWY STE 307S HAUPPAUGE, NY 117883070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| GREGORY A. BLUM3 Filed as: GREGORY A BLUM | 88 FROEHLICH FARM BLVD STE 320 WOODBURY, NY 117972944 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| SAMANTHA CLARK3 | 88 FOREHLICH FARM BLVD STE 320 WOODBURY, NY 117972944 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $616 | $616 | 0.05% |
| MICHAEL ANDREW BOOK3 | 90 PARK AVE FL 18 NEW YORK, NY 100161322 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $585 | — | $585 | 0.04% |
| DEBRA C SLAVUTIN3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $261 | — | $261 | 0.02% |
| HOWARD B. COWAN3 Filed as: HOWARD B COWAN | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DELTA DENTAL OF NEW YORK | $50K | — | $50K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | LLOYDS OF LONDON | $146K | — | $146K | 19.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $10K | — | $10K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $21 | — | $21 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $2K | $11K | 9.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60679 | FIRST UNUM LIFE INSURANCE COMPANY | $696 | $109 | $805 | 0.68% |
| 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) | $5K | — | $5K | 4.98% |
| 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) | $18 | $71 | $89 | 0.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1190 AVE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 9565 PAYSPHERE CIRCLE CHICAGO, IL 60679 | FIRST UNUM LIFE INSURANCE COMPANY | $520 | $81 | $601 | 0.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $8K | 9.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60679 | FIRST UNUM LIFE INSURANCE COMPANY | $520 | $81 | $601 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET 7TH FL NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $63 | — | $63 | 25.20% |
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 | 1,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 1,519 | $1.1M |
| Vision | VISION SERVICE PLAN | 796 | $203K |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,254 | $6.1M |
| Short-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,254 | $4.3M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,254 | $4.7M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 3,254 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,254 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.