| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $6K | 2.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $53K | $0 | $53K | 26.50% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1451 ROUTE 34 FARMINGDALE, NJ 07727 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $441 | $8K | 4.11% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. & OTHER AGENTS | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $694 | $5K | 2.76% |
| JEFF M NEWMAN3 | 1007 EAST SHORE DRIVE, UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $290 | $3K | 1.64% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 2 DUNKIRK DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS CLARK PETERSON | 598 RIVERWOOD AVENUE POINT PLEASANT BORO, NJ 08742 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| HARMONY BENEFITS LLC3 Filed as: HARMONY BENEFITS, LLC | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $81 | $1K | 0.62% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $956 | $96 | $1K | 0.56% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1451 ROUTE 34 FARMINGDALE, NJ 07727 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $113 | $5K | 3.73% |
| VOLUNTARY BENEFIT PROGRAMS LLC3 Filed as: VOLUNTARY BENEFIT PROGRAMS, LLC | 200 GRAND COVE WAY EDGEWATER, NJ 07020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $85 | $2K | 1.88% |
| JEFF M NEWMAN3 | 1007 EAST SHORE DRIVE, UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $70 | $2K | 1.34% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS CLARK PETERSON | 598 RIVERWOOD AVENUE POINT PLEASANT BORO, NJ 08742 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $0 | $973 | 0.75% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC. | ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $553 | $0 | $553 | 0.43% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $20 | $434 | 0.33% |
| CHIMIENTI & ASSOCIATES3 | 3130 WEST MAIN STREET, SUITE 106 VISALIA, CA 93291 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $406 | $0 | $406 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $843 | $6K | 6.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION BENEFITS OF AMERICA | $4K | $0 | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 445 SOUTH STREET, SUITE 210 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $166 | $2K | 10.30% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 113 | $318K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 611 | $74K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 542 | $547K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 113 | $318K |
| Long-term disability(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 542 | $280K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 542 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
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.