| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 4.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $901 | $6K | 10.76% |
| STEPHEN C PLATNER3 | 11 CHESHAM WAY FAIRPORT, NY 14450 | AFLAC | $450 | — | $450 | 5.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AFLAC | $206 | — | $206 | 2.63% |
| BRENDAN MCCARTHY AND CREW INC3 | 39 SAGINAW DR STE 2 ROCHESTER, NY 14623 | AFLAC | $191 | — | $191 | 2.44% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LN HILTON HEAD, SC 29926 | AFLAC | $49 | — | $49 | 0.62% |
| RICHARD DE ASIS3 | 39 HUNTERS RUN PITTSFORD, NY 14534 | AFLAC | $28 | — | $28 | 0.36% |
| BRAD JONES AND ASSOCIATES INC3 | 19 BRITISH AMERICAN BLVD LATHAM, NY 12110 | AFLAC | $19 | — | $19 | 0.24% |
| KELLY A IRVINE3 | 15801 WHITE ORCHID LN FORT MYERS, FL 33908 | AFLAC | $8 | — | $8 | 0.10% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TER CLIFTON PARK, NY 12065 | AFLAC | $7 | — | $7 | 0.09% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $710K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $710K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $60K |
| Short-term disability | AFLAC | 28 | $8K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 72 | $710K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.