| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVENUE FL 21 NEW YORK, NY 10173 | RELIASTAR LIFE INSURANCE CO OF NY | $18K | $21K | $39K | 9.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 100360000 | FEDERAL INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 1,716 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 2,597 | $143K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,859 | $2.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,859 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,859 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,042 | $455K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,859 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,859 | — |
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.