| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER BENEFITS CONSULTING, LLC | UNKNOWN NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $70K | — | $70K | 4.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 3.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | $210 | $18K | 2.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.97% |
| MARC BERT HEINBERG3 | 4293 BEDFORD AVENUE BROOKLYN, NY 11229 | AFLAC | $8K | $0 | $8K | 4.77% |
| ENIDA MICI3 | 444 EAST 82ND STREET APARTMENT 17E NEW YORK, NY 10028 | AFLAC | $5K | $0 | $5K | 3.12% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $1K | $0 | $1K | 0.80% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $1K | $0 | $1K | 0.70% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE AND OTHER AGENTS | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $978 | $0 | $978 | 0.59% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $557 | $0 | $557 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $147 | $0 | $147 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $47 | $14 | $61 | 0.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $1K | $1K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US), INC. | PO BOX 13793 NEWARK, NJ 07188 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $299 | $299 | 0.30% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $451 | $0 | $451 | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 12.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $0 | $314 | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100 | $100 | 0.15% |
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 | 2,450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,162 | $850K |
| Vision | VISION SERVICE PLAN | 1,146 | $276K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,830 | $1.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,830 | $1.7M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,830 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,162 | — |
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.