| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | $0 | $93K | 13.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 11.58% |
| MICHAEL RAIMO3 | 21 JACKSON STREET EAST SLIP, NY 11730 | AFLAC | $5K | $0 | $5K | 15.75% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $583 | $0 | $583 | 1.92% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETRANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $469 | $0 | $469 | 1.55% |
| JOYCE RODRIGUEZ3 | 8502 139TH STREET APARTMENT 4J BRIARWOOD, NY 11435 | AFLAC | $124 | $0 | $124 | 0.41% |
| ANDREW RAIMO3 | 3 FANNIE ROAD HAMPTON BAYS, NY 11946 | AFLAC | $77 | $0 | $77 | 0.25% |
| AMANDA L VANNATTA3 Filed as: AMANDA L. VANNATTA AND OTHERS | 23 PERSHING LANE PALM COAST, FL 32164 | AFLAC | $35 | $0 | $35 | 0.12% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FORREST HILLS, NY 11375 | AFLAC | $8 | $0 | $8 | 0.03% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $855K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $208K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $208K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $208K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $208K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $208K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 172 | $855K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 238 | $913K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
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.