| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | MVP HEALTHCARE | $103K | $0 | $103K | 4.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60629 | HARTFORD LIFE AND ACCIDENT | $1K | $380 | $1K | 1.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $776 | $776 | 0.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 5.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 21.49% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.83% |
| MJ INSURANCE3 Filed as: CHRISTOPER TARI AND VARIOUS AGENTS | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.07% |
| JOHANN S SCRIMSHIRE3 Filed as: JOHANN SCOTT SCRIMSHIRE | 125 SOUTH MAIN STREET, SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | $0 | $783 | 3.68% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | $0 | $288 | 1.35% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD SUITE 6 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | $0 | $285 | 1.34% |
| IRMA E. ALTAMIRANO3 Filed as: IRMA E ALTAMIRANO | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | $0 | $267 | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60629 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $292 | $290 | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60629 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $218 | $60 | $278 | 12.03% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 340 | $2.5M |
| Dental | DELTA DENTAL OF NEW YORK | 295 | $76K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 449 | $80K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 449 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 449 | $80K |
| Prescription drug | MVP HEALTHCARE | 340 | $2.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 449 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.