| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | 1099 18TH ST STE 2870 DENVER, CO 80202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$946 | $146K | $146K | 2.02% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | 1099 18TH ST STE 2870 DENVER, CO 80202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$1K | $117K | $115K | 1.93% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | 1099 18TH ST STE 2870 DENVER, CO 80202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$85 | $88K | $88K | 1.92% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | STE 150 170 US ROUTE 1 FALMOUTH, ME 04105 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $80K | $20K | $101K | 23.68% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | STE 150 170 US ROUTE 1 FALMOUTH, ME 04105 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $29K | $29K | 6.81% |
| THE BAKER BENEFIT GROUP | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 1.47% |
| SAUL R LOCKER | 1099 18TH ST STE 2870 DENVER, CO 80202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $14K | — | $14K | 3.33% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
| THE BAKER BENEFIT GROUP Filed as: BAKER BENEFIT GROUP | STE 150 170 US ROUTE 1 FALMOUTH, ME 04105 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $529 | $2K | 21.71% |
| ALEXANDER BENEFITS CONSULTING Filed as: ALEXANDER BENEFITS | 1099 18TH ST STE 2870 DENVER, CO 80202 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$2K | $2K | $156 | 1.98% |
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 | 18,787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 250 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2,426 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EMBLEMHEALTH DENTAL | 3,363 | $1.3M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 18,257 | $7.2M |
| Long-term disability(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 15,274 | $5.0M |
| Other(5 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 19,591 | $13.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,591 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.