| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $6K | $15K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $22K | $35K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 199 WATER STREET 12TH FLOOR NEW YORK, NY 10038 | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 30.00% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET, APT B BROOKLYN, NY 11232 | AFLAC | $6K | $371 | $6K | 21.84% |
| ASIF KIANI3 | 260 W 27TH ST, APT 2 NEW YORK, NY 10001 | AFLAC | $694 | $280 | $974 | 3.62% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $588 | $5 | $593 | 2.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | AFLAC | $575 | — | $575 | 2.14% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST, STE 8C NEW YORK, NY 10005 | AFLAC | $394 | $60 | $454 | 1.69% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ, STE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $217 | $60 | $277 | 1.03% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLIN AVE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $202 | $58 | $260 | 0.97% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.02% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $6 | — | $6 | 0.02% |
| JILL LISA RAPPAPORT3 | 139 22ND STREET, APT B BROOKLYN, NY 11232 | AFLAC | $230 | $64 | $294 | 10.65% |
| ASIF KIANI3 | 260 W 27TH ST, APT 2 NEW YORK, NY 10001 | AFLAC | $128 | $36 | $164 | 5.94% |
| TIMOTHY C CAVAZOS3 | 401 FRANKLINE AVE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $30 | $10 | $40 | 1.45% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST, STE 8C NEW YORK, NY 10005 | AFLAC | $21 | $4 | $25 | 0.91% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIR BOCA RATON, FL 33496 | AFLAC | $19 | $6 | $25 | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $22 | — | $22 | 0.80% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLZ, STE 410 RUHLE RISK MANAGEMENT GARDEN CITY, NY 11530 | AFLAC | $11 | $4 | $15 | 0.54% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $1 | — | $1 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.04% |
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 | 1,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 34 | $324K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,702 | $2.2M |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,133 | $445K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,622 | $1.8M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,622 | $1.8M |
| Prescription drug | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 34 | $324K |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,143 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,702 | — |
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."
No prospect flags tripped on this filing.