| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $177K | $179K | 2.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $163 | $17K | $17K | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC - CONT | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $985 | $985 | 0.01% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | — | $1K | 4.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $99 | — | $99 | 0.43% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $316 | — | $316 | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $30 | — | $30 | 0.43% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $234 | — | $234 | 4.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF CONNECTICUT, INC. | $22 | — | $22 | 0.43% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $119 | — | $119 | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $11 | — | $11 | 0.42% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $6.9M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $7.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 370 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
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.