| 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 AND AFFILIATES | $0 | $210K | $210K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW JERSEY, INC. | $10K | $0 | $10K | 1.00% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | STANDARD INSURANCE COMPANY | $0 | $11K | $11K | 3.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 1.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 1.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $7K | $11K | $18K | 10.48% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ALPHA DENTAL PROGRAMS, INC. | $361 | $0 | $361 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $51 | $0 | $51 | 5.04% |
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 | 1,471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,025 | $21.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,932 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,219 | $86K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,471 | $308K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,471 | $177K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,471 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,219 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.