| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $416 | $416 | 0.05% |
| AXA ASSISTANCE, USA3 Filed as: AXA NETWORK LLC | 1290 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 101040101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 2.12% |
| ANDREW RUBIN3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.77% |
| HEATH HOLT3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $560 | — | $560 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J&H MARSH & MC LENNAN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 5.81% |
| LOCKTON COMPANIES, LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $5K | $18K | 3.11% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $4K | $6K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 8.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $985 | $5K | 4.28% |
| ANDREW RUBIN3 | 40 MONUMENT RD BALA CYNWYD, PA 190041729 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - | NEW YORK, NY 34-20 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 641843844 | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - | ADMIN 34-2015463 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | $23 | — | $23 | 0.03% |
| LTC SOLUTIONS, INC.3 Filed as: LTC SOLUTIONS | 14715 NE 95TH ST REDMOND, WA 98052 | CONTINENTAL CASUALTY COMPANY | $3K | — | $3K | 18.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | CONTINENTAL CASUALTY COMPANY | $1K | — | $1K | 6.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $4K | — | $4K | 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 | 1,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $845K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,259 | $1.4M |
| Vision | FIDELITY LIFE INSURANCE COMPANY OF NEW YORK | 1,066 | $76K |
| Life insurance(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 990 | $1.0M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 623 | $127K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,345 | $565K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,259 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,345 | — |
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.