| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS P. BOYLAN3 Filed as: NICHOLAS BOYLAN | 5 PLYMOUTH ROAD SUMMIT, NJ 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $0 | $17K | 0.84% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.45% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS CORP | 1300 S. CLINTON STREET FORT WAYNE, IN 46802 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $0 | $37K | 3.01% |
| MICHAEL BENDER3 Filed as: MICHAEL NOLAN | 6720B ROCKLEDGE DRIVE STE 140 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $0 | $12K | $12K | 2.40% |
| NICHOLAS P. BOYLAN3 Filed as: NICHOLAS P BOYLAN | 100 STONE HILL ROAD, APT E04 SPRINGFIELD, NJ 07081 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.17% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.71% |
| NICHOLAS P. BOYLAN3 | 100 STONE HILL ROAD, APT. E04 SPRINGFIELD, NJ 07081 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.27% |
| KN&A INC.3 Filed as: KN & A INC. | 6720-B ROCKLEDGE DRIVE SUITE 140 BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.45% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE STE 140 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.77% |
| NICHOLAS P. BOYLAN3 Filed as: NICHOLAS BOYLAN | 5 PLYMOUTH ROAD SUMMIT, NJ 07901 | METROPOLITAN LIFE INSURANCE COMPANY | $794 | $0 | $794 | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $2K | $0 | $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 | 1,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,084 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 123 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 1,224 | $486K |
| Vision | EYEMED | 304 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 644 | $1.2M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,084 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,224 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.