| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | MVP HEALTHCARE | $107K | — | $107K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | DELTA DENTAL OF NEW YORK | $4K | $0 | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.49% |
| EPSIX, INC.3 Filed as: EPSIX INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.16% |
| MJ INSURANCE3 Filed as: THOMAS MCKIERNAN AND VARIOUS AGENTS | 109 BOSTON POST ROAD, SUITE 6/7 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $472 | $0 | $472 | 1.75% |
| DEBBIE GIDIULI3 | 7 PARK AVENUE, APARTMENT 82 NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $316 | $0 | $316 | 1.17% |
| CHARLEEN WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | $0 | $233 | 0.87% |
| JOHANN SCRIMSHIRE3 | 125 SOUTH MAIN STREET, SUITE 405 SEBASTOPOL, CA 95472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | $0 | $159 | 0.59% |
| PATRICK RUHLE3 Filed as: PATRICK HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 0.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $468 | $2K | 12.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $296 | $0 | $296 | 7.23% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MVP HEALTHCARE | 309 | $2.7M |
| Dental | DELTA DENTAL OF NEW YORK | 294 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 413 | $66K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $66K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $66K |
| Prescription drug | MVP HEALTHCARE | 309 | $2.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 413 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.