| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | — | $50K | $50K | 0.91% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE. 14TH FLOOR NEW YORK, NY 10178 | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | — | $23K | $23K | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $71K | $151K | 3.48% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYSTEM INC | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $7K | $14K | 0.32% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS&COMP SYSTEMS INC | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY | $42K | — | $42K | 9.80% |
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 | 8,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,421 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 595 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 2,858 | $873K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 9,860 | $873K |
| Vision | VISION SERVICE PLAN | 4,923 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 12,086 | $4.3M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 7,961 | $5.5M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 7,961 | $5.5M |
| Other(7 contracts, 7 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY OF NEW YORK | 12,086 | $10.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,086 | — |
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.