| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW JERSEY, INC. | $14K | $0 | $14K | 2.37% |
| MJ INSURANCE3 Filed as: JEFF M NEWMAN & VARIOUS AGENTS | 1007 E SHORE DRIVE, UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $6K | $38K | 18.20% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $542 | $3K | 1.41% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | $147 | $802 | 0.38% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $0 | $280 | 0.13% |
| ANDREW HAHN3 | 7002 E 82ND STREET TULSA, OK 74133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $144 | $27 | $171 | 0.08% |
| MICHAEL FRANCIS3 | 686 EAST 234TH STREET, UNIT A3 BRONX, NY 10466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $49 | $167 | 0.08% |
| ENROLLEASE3 Filed as: JACQUELINE E FORBES-CLARKE | 27 HUDSON AVENUE MOUNT VERNON, NY 10553 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $38K | $0 | $38K | 18.98% |
| GREGORY A MCROBERTS3 | 900 E 96TH STREET, SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $9K | 4.65% |
| MJ INSURANCE3 Filed as: JEFF M NEWMAN & VARIOUS AGENTS | 1007 E SHORE DRIVE, UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $3K | $23K | 16.66% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $222 | $1K | 0.96% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | $60 | $431 | 0.31% |
| ANDREW HAHN3 | 7002 E 82ND STREET TULSA, OK 74133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $141 | $24 | $165 | 0.12% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.04% |
| MICHAEL FRANCIS3 | 686 EAST 234TH STREET, UNIT A3 BRONX, NY 10466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| ENROLLEASE3 Filed as: JACQUELINE E FORBES-CLARKE | 27 HUDSON AVENUE MOUNT VERNON, NY 10553 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 8.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 445 S STREET MORRISTOWN, NJ 07960 | 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 | $3K | $0 | $3K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $132 | $2K | 11.68% |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $347K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,234 | $609K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 560 | $69K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 637 | $534K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 127 | $347K |
| Long-term disability(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 637 | $314K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 637 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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.