| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $32K | $38K | 1.93% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 3.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $4K | $11K | 7.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $6K | $14K | 10.71% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
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 | 1,660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 258 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $730K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 623 | $908K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,466 | $111K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,420 | $339K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,437 | $128K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,818 | $2.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $632K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,660 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,818 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.