| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS P. BOYLAN | 350 W. PASSAIC STREET ROCHELLE PARK, NJ 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | — | $16K | 0.93% |
| KN&A INC. | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $802 | — | $802 | 0.05% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS CORP | 1300 S. CLINTON STREET FORT WAYNE, IN 46802 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 3.24% |
| MICHAEL BENDER3 Filed as: MICHAEL NOLAN | 6720B ROCKLEDGE DRIVE, SUITE 140 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.69% |
| NICHOLAS P. BOYLAN3 | 350 W. PASSAIC STREET ROCHELLE PARK, NJ 07662 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 10.48% |
| KN&A INC.3 | 6720B ROCKLEDGE DRIVE, SUITE 140 BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $836 | — | $836 | 0.73% |
| KN&A INC.3 | 6720B ROCKLEDGE DRIVE, SUITE 140 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| NICHOLAS P. BOYLAN3 | 350 W. PASSAIC STREET ROCHELLE PARK, NJ 07662 | METROPOLITAN LIFE INSURANCE COMPANY | $842 | — | $842 | 2.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 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 | 1,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 175 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 1,125 | $410K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 884 | $2.8M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 884 | $1.7M |
| Other(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 884 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.