| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | $37K | $95K | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $97K | $18K | $115K | 12.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | -$31K | — | -$31K | -3.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $11K | — | $11K | 8.00% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET, APT B BROOKLYN, NY 11232 | AFLAC | $3K | — | $3K | 21.61% |
| ASIF KIANI3 | 260 W 27TH ST, APT 2 NEW YORK, NY 10001 | AFLAC | $3K | — | $3K | 17.28% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST, STE 8C NEW YORK, NY 10005 | AFLAC | $659 | — | $659 | 4.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $552 | — | $552 | 3.67% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $430 | — | $430 | 2.86% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ, STE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $428 | — | $428 | 2.85% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $20 | — | $20 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $424 | $53 | $477 | 17.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | -$144 | — | -$144 | -5.22% |
| ASIF KIANI3 | 260 W 27TH ST, APT 2 NEW YORK, NY 10001 | AFLAC | $547 | — | $547 | 23.77% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET, APT B BROOKLYN, NY 11232 | AFLAC | $523 | — | $523 | 22.73% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $60 | — | $60 | 2.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | AFLAC | $59 | — | $59 | 2.56% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $39 | — | $39 | 1.69% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST, STE 8C NEW YORK, NY 10005 | AFLAC | $31 | — | $31 | 1.35% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ, STE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $21 | — | $21 | 0.91% |
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 | 1,367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 44 | $315K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,464 | $2.2M |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,021 | $452K |
| Life insurance(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,607 | $531K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 67 | $3K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,631 | $919K |
| Prescription drug | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 44 | $315K |
| Other(6 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,607 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,464 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.