| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | MVP HEALTHCARE | $87K | $0 | $87K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 3.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $0 | $934 | $934 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $320 | $320 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | -$3 | -$3 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 16.34% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 687 BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.83% |
| CHRISTOPHER TARI AND OTHER AGENTS3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.68% |
| JOHANN S SCRIMSHIRE3 Filed as: JOHANN SCOTT SCRIMSHIRE | 125 SOUTH MAIN STREET, SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $818 | $0 | $818 | 2.48% |
| DEBBIE GIDIULI3 | 7 PARK AVENUE, APARTMENT 82 NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $699 | $0 | $699 | 2.12% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 1.13% |
| THOMAS MCKIERNAN3 | 109 BOSTON POST ROAD, SUITE 6-7 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | $0 | $303 | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $263 | $42 | $305 | 11.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $61 | $18 | $79 | 9.18% |
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 | 477 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 313 | $2.5M |
| Dental | DELTA DENTAL OF NEW YORK | 289 | $79K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 477 | $62K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 477 | $62K |
| Prescription drug | MVP HEALTHCARE | 313 | $2.5M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 477 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.