| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $442K | $3K | $445K | 12.57% |
| MIGDON, STUART3 | 900 US HIGHWAY 9 N WOODBRIDGE, NJ 07647 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $397 | $6K | $6K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | DELTA DENTAL OF NEW JERSEY, INC. | $29K | — | $29K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $975 | $20K | 10.50% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS AND FIN | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$12 | — | -$12 | -0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $623 | $7K | 5.51% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS AND FIN | ONE INTERNATIONAL BLVD SUITE 300 MAHWAH, NJ 07495 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4 | — | -$4 | -0.00% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS AND FIN | ONE INTERNATIONAL BLVD SUITE 300 MAHWAH, NJ 07495 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $124 | $3K | 10.49% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS AND FIN | ONE INTERNATIONAL BLVD SUITE 300 MAHWAH, NJ 07495 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2 | — | -$2 | -0.01% |
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 | 1,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,767 | $3.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 2,756 | $980K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,767 | $3.5M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,714 | $198K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,716 | $187K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,767 | $3.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,714 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,767 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.