| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMITOMO LIFE INSURANCE AGENCY3 | 565 FIFTH AVE., 5TH FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $238K | $2K | $240K | 27.31% |
| SUMITOMO LIFE INSURANCE AGENCY3 | 565 FIFTH AVE., 5TH FLOOR NEW YORK, NY 10017 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 565 FIFTH AVE., 5TH FLOOR NEW YORK, NY 10017 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 565 FIFTH AVE., 5TH FLOOR NEW YORK, NY 10017 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 8.15% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $64 | $1K | 18.46% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $33 | $1K | 17.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 48 SOUTH SERVICE ROAD MELVILLE, NY 11747 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $312 | — | $312 | 24.96% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $879K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $879K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 328 | $357K |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 328 | $357K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 328 | $342K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 821 | $879K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 342 | $359K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.