| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $30K | $0 | $30K | 2.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MAISON AVENUE FLOOR 20 NEW YORK, NY 10017 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 2.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBSNJ EIN 22-0999690 NONE | Contract Administrator; Claims processing Service code 12 | — | $2.0M |
| WAGNER LAW GROUP EIN 04-3323315 ATTORNEY | Legal Service code 29 | — | $294K |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 NONE | Contract Administrator Service code 13 | — | $281K |
| DELTA DENTAL OF NJ EIN 22-1896118 NONE | Claims processing Service code 12 | — | $142K |
| J.P. MORGAN CHASE BANK, N.A. EIN 13-4994650 TRUSTEE | Distribution (12b-1) fees; Float revenue; Trustee (bank, trust company, or similar financial institution); Other investment fees and expenses; Securities brokerage commissions and fees; Shareholder servicing fees; Non-monetary compensation Service code 21 | — | $56K |
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 | 3,384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC | 3,596 | $2.9M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,590 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,596 | — |
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.