| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $342 | $10K | 0.16% |
| MJ INSURANCE3 Filed as: MICHELLE DARTEE AND VARIOUS AGENTS | PO BOX 274 SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $99 | $4K | 5.09% |
| TERLING & STERLING LLC3 | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.95% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $223 | $65 | $288 | 0.41% |
| CLARICE R MIMS3 | 17290 HIGHLAND AVENUE, APT 2B JAMAICA, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $207 | $4 | $211 | 0.30% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.06% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.06% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE PRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.96% |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 408 | $6.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 408 | $6.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 555 | $49K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 58 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.