| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 175 SULLYS TRL SUITE 301 PITTSFORD, NY 14534 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 2.78% |
| FRENKEL BENEFITS LLC3 | 114 FRANKLIN STREET VERONA, NJ 07044 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $42 | $5K | 6.59% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | METROPOLITAN LIFE INSURANCE COMPANY | $804 | $146 | $950 | 1.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $709 | $709 | 0.98% |
| STEPHEN C PLATNER3 | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $825 | — | $825 | 5.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENFITS LLC | 4565 PASPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $373 | — | $373 | 2.62% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DRIVE SUITE 2 ROCHESTER, NY 14623 | AFLAC | $362 | — | $362 | 2.54% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LANE HILTON HEAD, SC 29926 | AFLAC | $91 | — | $91 | 0.64% |
| RICHARD DE ASIS3 | 146 KEMP DRIVE MACEDON, NY 14502 | AFLAC | $42 | — | $42 | 0.29% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $35 | — | $35 | 0.25% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $12 | — | $12 | 0.08% |
| KELLY A IRVINE3 | 20620 EAST GOLDEN ELM DRIVE ESTERO, FL 33928 | AFLAC | $9 | — | $9 | 0.06% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LANE FORT MYERS, FL 33908 | AFLAC | $5 | — | $5 | 0.04% |
| LAURA BOHANNON3 | 23 S MARVINE AVE AUBURN, NY 13021 | AFLAC | $1 | — | $1 | 0.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $778K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $72K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $778K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $72K |
| Short-term disability | AFLAC | 31 | $14K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $72K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $778K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.