| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AETNA LIFE INSURANCE COMPANY | — | $267 | $267 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS NORTH AMERICA, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 133 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,449 | $10.2M |
| Dental | DELTA DENTAL OF NEW YORK | 1,507 | $568K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 589 | $64K |
| Life insurance | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 945 | $455K |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 945 | $455K |
| Long-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 945 | $455K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,449 | $10.2M |
| Other(4 contracts, 4 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,791 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,449 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.