| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 111 SW COLUMBIA ST 500 PORTLAND, OR 97201 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| LONGFELLOW FINANCIAL LLC3 Filed as: LONGFELLOW FINANCIAL | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031703 | EYEMED | — | — | $0 | 0.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 169 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | 177 | $173K |
| Vision | EYEMED | 178 | $23K |
| Life insurance | AETNA LIFE INSURANCE CO. LIFE AD&D | 179 | $43K |
| Long-term disability | AETNA LIFE INSURANCE CO. LTD | 178 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.