| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.15% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 0.27% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $0 | $50K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $13K | $0 | $13K | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $317K | $0 | $317K | 19.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW YORK | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $16K | $0 | $16K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | $144K | $0 | $144K | 15.00% |
| JAMES P. ROCHE3 Filed as: JAMES M ANDREW | 161 WORCESTER RD SUITE 408 FRAMINGHAM, MA 01701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $0 | $4K | 6.09% |
| MCNEILL & MCNEILL INSURANCE INC3 | 30 WESTERN AVE., PO BOX 8 GLOUCESTER, MA 01931 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $759 | $0 | $759 | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $363 | $0 | $363 | 0.50% |
| CIRCLE BENEFIT PLANNING CORP.3 Filed as: CIRCLE BENEFIT PLANNING CORP | 420 LEXINGTON AVENUE STE 1727 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $361 | $0 | $361 | 0.50% |
| MODERN AMERICA CNA INSURANCE3 | PO BOX 1147 C/O AGENCY COMMISSIONS DEPT. JACKSONVILLE, FL 62651 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $296 | $0 | $296 | 0.41% |
| GARY N BAURER3 | 10 WATERSIDE PLZ APT 19F NEW YORK, NY 10010 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $170 | $0 | $170 | 0.23% |
| MYRA M. KING3 Filed as: MYRA M KING | 320 W 14TH ST APT 3B NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $109 | $0 | $109 | 0.15% |
| INVESTMENT MARKETING RESOURCES LP3 | 1800 W LOOP S STE 1980 HOUSTON, TX 77027 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 20.62% |
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 | 20,799 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 99 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 21,346 | $45K |
| Vision | VISION SERVICE PLAN | 14,041 | $2.3M |
| Life insurance(4 contracts) | SECURIAN LIFE INSURANCE COMPANY | 21,571 | $10.3M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,582 | $11.3M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 23,763 | $10.3M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 21,346 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,763 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.