| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MASSACHUSETTS | 800 BOYLESTON ST STE 600 BOSTON, MA 02199 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $137K | — | $137K | 3.42% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $120K | — | $120K | 3.00% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $83K | — | $83K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 02241 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $97K | — | $97K | 5.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33K | $33K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC | PO BOX 416672 BOSTON, MA 022416672 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $94 | $20K | 1.34% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 3.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS INC. | THREE COPLEY PL 100 HUNTINGTON AVENUE STE 300 BOSTON, MA 02116 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC 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% |
| SAUL R LOCKER | 1099 18TH ST DENVER, CO 80202 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $174 | — | $174 | 3.01% |
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 | 17,781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 216 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 936 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EMBLEMHEALTH DENTAL | 2,189 | $882K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 16,638 | $5.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19,804 | $217K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 13,445 | $4.3M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 18,923 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,804 | — |
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.