| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $10K | $38K | 5.66% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON | 300 S STATE ST #1000 SYRACUSE, NY 13202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 1.42% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON | 300 S STATE ST #1000 SYRACUSE, NY 13202 | UNITEDHEALTHCARE | $73K | — | $73K | 46.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 121 RIVER ST STE 7 HOBOKEN, NJ 07030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF AMERICAS 23F NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 121 RIVER ST STE 7 HOBOKEN, NJ 07030 | CHLIC FOR THE BENEFIT OF METLIFE | $697 | — | $697 | 10.63% |
| UNITED BEHAVIORAL HEALTH DBA OPTUM3 | 425 MARKET STREET SAN FRANCISCO, CA 94105 | UNITED BEHAVIORAL HEALTH DBA OPTUM | — | $86K | $86K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE COM EIN 35-0472300 | Other fees Service code 99 | 10 ST JAMES AVE BOSTON, MA 02116 | $197K |
| DELTA DENTAL OF NEW YORK | Claims processing Service code 12 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $105K |
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 | 3,740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $115K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW YORK | 637 | $249K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,710 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,662 | $673K |
| Other(6 contracts, 5 carriers) | UNITEDHEALTHCARE | 4,108 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,108 | — |
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."
No prospect flags tripped on this filing.