| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $29K | $29K | 1.59% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | HARTFORD LIFE AND ACCIDENT | — | $62 | $62 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $1K | $15K | 2.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | — | $4K | 1.89% |
| MARC BERT HEINBERG3 | 4293 BEDFORD AVENUE BROOKLYN, NY 11229 | AFLAC | $8K | $99 | $8K | 5.26% |
| ENIDA MICI3 | 353 EAST 82ND STREET APT. 9 NEW YORK, NY 10028 | AFLAC | $5K | $34 | $5K | 3.25% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LANE MONTEBELLO, NY 10901 | AFLAC | $1K | — | $1K | 0.83% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $1K | — | $1K | 0.70% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $549 | — | $549 | 0.34% |
| MICHAEL ALAN KELLER3 | 2563 OCEAN AVENUE BELLMORE, NY 11710 | AFLAC | $235 | — | $235 | 0.15% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $199 | $34 | $233 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AFLAC | $209 | — | $209 | 0.13% |
| MATTHEW CERULLA3 | 353 EAST 82ND STREET APT. 9 NEW YORK, NY 10514 | AFLAC | $78 | $45 | $123 | 0.08% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $120 | — | $120 | 0.07% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $73 | — | $73 | 0.05% |
| KEITH LEPACK3 | 1991 BROADWAY APT. 12B NEW YORK, NY 10023 | AFLAC | $69 | — | $69 | 0.04% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DRIVE MANHASSET, NY 11030 | AFLAC | $54 | — | $54 | 0.03% |
| ERIC BENNER3 | 21 HARMER TERRACE WAYNE, NJ 07470 | AFLAC | $53 | — | $53 | 0.03% |
| BRIAN ROBERT MCGRATTY3 | 129 37TH STREET APT. 209 UNION CITY, NJ 07087 | AFLAC | $41 | — | $41 | 0.03% |
| AMERICAN TEL-TEK INC.3 | 2385 WOODHULL AVENUE BRONX, NY 10469 | AFLAC | $31 | — | $31 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP. | 40 MAXWELL ROAD GARDEN CITY, NY 11530 | AFLAC | $28 | — | $28 | 0.02% |
| ALVARO JAVIER MONTENEGRO3 | 14 WALL STREET NEW YORK, NY 10005 | AFLAC | $22 | — | $22 | 0.01% |
| JACK E WILSON3 Filed as: JACK E. WILSON | 320 LUPINE DRIVE KNOXVILLE, TN 37924 | AFLAC | $20 | — | $20 | 0.01% |
| GINA M. HILLMAN3 Filed as: GINA HILLMAN | 160 EAST SEARSVILLE ROAD MONTGOMERY, NY 12549 | AFLAC | $20 | — | $20 | 0.01% |
| VIRGIL V RICHARDSON3 Filed as: VIRGIL V. RICHARDSON | 200 WEST 143RD STREET APT. 20M NEW YORK, NY 10030 | AFLAC | $18 | — | $18 | 0.01% |
| JENNIFER DELIA3 | 3 BLAUVELT ROAD BLAUVELT, NY 10913 | AFLAC | $14 | — | $14 | 0.01% |
| PETER T. MEYLE3 | PO BOX 4152 MIDDLETOWN, NY 10941 | AFLAC | $11 | — | $11 | 0.01% |
| LISA M WYLIE3 Filed as: LISA MARIE WYLIE | 10 WOODBINE ROAD APT. 6 NATICK, MA 01760 | AFLAC | $11 | — | $11 | 0.01% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES HOFFMAN3 | 15900 RIVERPOINTE DRIVE CHARLOTTE, NC 28278 | AFLAC | $10 | — | $10 | 0.01% |
| PERRY E MEDINA3 Filed as: PERRY E. MEDINA | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $9 | — | $9 | 0.01% |
| DOMINICK R SIRACUSA3 Filed as: DOMINICK R. SIRACUSA | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $8 | — | $8 | 0.00% |
| RANDI E RIVA3 Filed as: RANDI E. RIVA | 340 WEST PALMETTO PARK ROAD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $8 | — | $8 | 0.00% |
| ANDBEE CORP3 Filed as: ANDBEE CORP. | 439 GENESEE COURT SUFFERN, NY 10901 | AFLAC | $6 | — | $6 | 0.00% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 250 WINTON ROAD FAIRFIELD, CT 06824 | AFLAC | $6 | — | $6 | 0.00% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 ST. THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $5 | — | $5 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $5 | — | $5 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $4 | — | $4 | 0.00% |
| GREGORY E MEYER3 Filed as: GREGORY E. MEYER | 5005 BODIE LANE GREENSBORO, NC 27455 | AFLAC | $3 | — | $3 | 0.00% |
| MELISA SCHOFIELD3 | 910 WEST KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 19.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $8K | $1K | $9K | 11.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $494 | $7K | 19.79% |
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 | 2,532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,575 | $671K |
| Vision | VISION SERVICE PLAN | 886 | $225K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,159 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,159 | $1.8M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,159 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.