| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET SUITE 2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $327K | $327K | 4.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 200 E RANDOLPH STREET SUITE 9000 CHICAGO, IL 606016420 | HARTFORD LIFE AND ACCIDENT | — | $172K | $172K | 2.26% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH STREET DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | — | $88K | $88K | 1.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | CENTRAL INC PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNAPOLIS, MN 554850502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $829K | — | $829K | 53.22% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE STREET SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNAPOLIS, MN 554850502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $641K | — | $641K | 53.33% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE STREET SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNAPOLIS, MN 554850502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $523K | — | $523K | 53.21% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE STREET SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: DAVID M BROWN | 240 BRADLEY STREET NEW HAVEN, CT 06510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.31% |
| NEIL G BALLOTTE3 | 6 WILBUR LANE EAST LYME, CT 06357 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.31% |
| JESSE J LISKA3 | 35 TRESS ROAD CHESHIRE, CT 06410 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.75% |
| RAYMOND J KUBICK3 | 885 BLACKBERRY HOLLOW ORANGE, CT 06477 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $577 | — | $577 | 0.37% |
| ASSOCIATED INSURANCE AGENCIES INC3 | 280 STATE STREET #201 NORTH HAVEN, CT 06473 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
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 | 19,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC | 168 | $271K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 40,141 | $15.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 13,901 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 27,947 | $7.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 27,947 | $7.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 27,947 | $7.7M |
| Other(7 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 27,947 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40,141 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.