| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH AND MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $137K | $10K | $148K | 3.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 11.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVE 5TH FLOOR NEW YORK, NY 10016 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | $23K | $0 | $23K | 9.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $684 | $0 | $684 | 15.00% |
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 | 377 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 971 | $5.2M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 971 | $5.2M |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 971 | $5.2M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 377 | $261K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 377 | $261K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 971 | $5.2M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | 316 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.