| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 70 LINDEN OAKS, SUITE 210 ROCHESTER, NY 14625 | EXCELLUS BLUE CROSS BLUE SHIELD | $112K | $0 | $112K | 3.11% |
| PETER DERRENBACKER3 | 6170 HEMINGWAY ROAD JAMESVILLE, NY 13057 | STANDARD OF NEW YORK | $21K | $2K | $23K | 7.77% |
| M C DOOLITTLE GROUP LLC3 | 34 ASPEN PARK BOULEVARD EAST SYRACUSE, NY 13057 | NORTHWESTERN MUTUAL | $1K | $168 | $2K | 0.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 6.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $100 | $6K | 2.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.71% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $862 | $862 | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30 | $30 | 0.01% |
| PETER DERRENBACKER3 Filed as: PETER L DERRENBACKER | 34 ASPEN PARK BOULEVARD EAST SYRACUSE, NY 13057 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | $0 | $18K | 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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 260 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 761 | $224K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $22K |
| Life insurance | STANDARD OF NEW YORK | 406 | $292K |
| Long-term disability | NORTHWESTERN MUTUAL | 472 | $287K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 260 | $3.6M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 99 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.