| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 6.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 8.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $390 | $390 | $780 | 0.83% |
| EMPLOYEE COVERAGE SOLUTIONS LLC3 Filed as: EMPLOYEE COVERAGE SOLUTIONS | 4300 CINNAMON PATH LIVERPOOL, NY 13090 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.02% |
| ANSON A BURKE3 | 51 STOUGHTON AVE MASSENA, NY 13662 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $683 | — | $683 | 1.51% |
| KING CLARK CO INC3 | 3415 STATE RT 11 MALONE, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $94 | — | $94 | 0.21% |
| TIMOTHY GUBA3 | 42 NORTH RESEVOIR ST COHOES, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $39 | — | $39 | 0.09% |
| DANIEL E CLARK3 | 3415 STATE RT 11 MALONE, NY 12953 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $20 | — | $20 | 0.04% |
| GERALD L STONE3 | PO BOX 1139 HOGANSBURG, NY 13655 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 BUILDING 4 STE 404A WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $499 | — | $499 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 ADMINISTRATOR | Claims processing Service code 12 | — | $443K |
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 | 594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | 594 | $80K |
| Short-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 720 | $295K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 111 | $94K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 720 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.