| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HELATH AND BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NY | $0 | $13K | $13K | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | CIGNA LIFE INSURANCE CO OF NY | $5K | — | $5K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AIG PROPERTY CASUALTY US | — | $26K | $26K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOISE ASSURANCE INC EIN 23-7391136 NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Other commissions; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 12 | — | $220K |
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 | 11,632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,516 | $0 |
| Vision | EYEMED VISION CARE | 10,703 | $606K |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 11,424 | $0 |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NY | 8,482 | $1.4M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO OF NY | 11,632 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,632 | — |
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.