| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS P. BOYLAN3 | 1909 GREVE AVENUE, APT G SPRING LAKE, NJ 07762 | FIRST UNUM LIFE INSURANCE COMPANY | $26K | $0 | $26K | 0.74% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.40% |
| OSAIC FA INC3 Filed as: OSAIC FA INC. | P.O. BOX 2239 FORT WAYNE, IN 468012239 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $0 | $71K | 3.21% |
| MICHAEL BENDER3 Filed as: MICHAEL NOLAN | 6720B ROCKLEDGE DRIVE, SUITE 600B BETHESDA, MD 208171887 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $138 | $138 | 0.02% |
| NICHOLAS P. BOYLAN3 | 1909 GREVE AVENUE, APT G SPRING LAKE HEIGHTS, NJ 07762 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.77% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.95% |
| NICHOLAS P. BOYLAN3 | 1909 GREVE AVENUE, APT G SPRING LAKE HEIGHTS, NJ 07762 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.75% |
| KN&A INC.3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.25% |
| NICHOLAS P. BOYLAN3 Filed as: NICHOLAS BOYLAN | 1909 GREVE AVENUE, APT G SPRING LAKE, NJ 07762 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST 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 | 1,724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 62 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,085 | $885K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NY (EYEMED) | 1,266 | $91K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,401 | $5.8M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,401 | $3.6M |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,773 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.