| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, FRONT 3 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $0 | $84K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC | PO BOX 28031 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 0.53% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICA NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.45% |
| USI INSURANCE SERVICES LLC3 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 7.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 4.94% |
| DANA M CRUZ3 Filed as: DANA M. CRUZ | 3 HAVEN PLAZA, SUITE 11B NEW YORK, NY 10009 | AFLAC | $2K | $129 | $2K | 12.75% |
| SPHEREC GROUP LLC3 Filed as: SPHEREC GROUP, LLC | 388 BRIDGE STREET, SUITE 34G BROOKLYN, NY 11201 | AFLAC | $762 | $15 | $777 | 4.25% |
| WILFRED COGER3 | 230 PARK AVENUE, SUITE 1000 NEW YORK, NY 10169 | AFLAC | $647 | $0 | $647 | 3.54% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONTOR | 100 NW 62ND STREET, SUITE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $352 | $15 | $367 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER AND OTHER AGENTS | 2640 LAKE SHORE DRIVE, SUITE 411 RIVIERA BEACH, FL 33404 | AFLAC | $113 | $0 | $113 | 0.62% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC. | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $107 | $0 | $107 | 0.59% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | AFLAC | $55 | $0 | $55 | 0.30% |
| DANA M CRUZ3 Filed as: DANA M. CRUZ | 3 HAVEN PLAZA, SUITE 11B NEW YORK, NY 10009 | AFLAC | $3K | $141 | $3K | 16.57% |
| ROBERT TABAN DONATO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $848 | $16 | $864 | 4.76% |
| WILFRED COGER3 Filed as: WILFRED EE COGER | 230 PARK AVENUE, SUITE 1000 NEW YORK, NY 10169 | AFLAC | $736 | $0 | $736 | 4.06% |
| SHAUN T KONIOR3 Filed as: SHAUN T KONTOR | 100 NW 62ND STREET, SUITE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $467 | $16 | $483 | 2.66% |
| MJ INSURANCE3 Filed as: RICHARD WHELAN AND VARIOUS AGENTS | 3887 NW 52ND STREET BOCA RATON, FL 33496 | AFLAC | $113 | $0 | $113 | 0.62% |
| KEITH LEPACK3 | 1991 BROADWAY, SUITE 12B NEW YORK, NY 10023 | AFLAC | $72 | $0 | $72 | 0.40% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R, ORGERA | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $57 | $0 | $57 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW Y ORK, NY 10036 | HARTFORD LIFE INSURANCE COMPANY | $368 | $0 | $368 | 30.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE COMPANY | $0 | $18 | $18 | 1.47% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 890 | $8.8M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 654 | $746K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 890 | $8.8M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $500K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $500K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $500K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 890 | $8.8M |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 890 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.