| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | HARVARD PILGRIM HEALTH CARE | $94K | — | $94K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $133K | — | $133K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $37K | $37K | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | $19K | — | $19K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.13% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $39K | — | $39K | 10.59% |
| MICHAEL ZIPP5 | 70 FOREST HILLS DR FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $13K | — | $13K | 3.53% |
| RPM HEALTH5 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $13K | — | $13K | 3.53% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | STERLING LIFE | $31K | — | $31K | 9.82% |
| MICHAEL ZIPP5 | 70 FOREST HILLS DR FARMINGTON, CT 06032 | STERLING LIFE | $6K | — | $6K | 2.00% |
| RPM HEALTH5 | 3 FOREST PARD DR FARMINGTON, CT 06032 | STERLING LIFE | $6K | — | $6K | 2.00% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS BAIRD | 313 S JUPITER RD STE 200 ALLEN, TX 750023054 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 13.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| OLIVER-VANDYK INS AGENCY INC3 Filed as: OLIVER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $310 | $7K | 16.80% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY INC | 2780 44TH ST SW WYOMING, MI 495194108 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS, 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THOMAS MORGAN BAIRD JR3 Filed as: THOMAS BAIRD | 313 S JUPITER RD STE 200 ALLEN, TX 750023054 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $281 | $63 | $344 | 12.71% |
| NORTHWEST INSURANCE SERVICES3 Filed as: NORTHWEST INSURANCE AGENCY INC | 1550 N NORTHWEST HWY. SUITE 109-B PARK RIDGE, IL 60068 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $179 | — | $179 | 17.05% |
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 | 4,229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,220 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 195 | $1.2M |
| Dental(4 contracts, 3 carriers) | DELTA DENTAL PLAN OF NJ, INC. | 2,776 | $3.0M |
| Vision(4 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,814 | $551K |
| Life insurance(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 4,447 | $3.8M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 963 | $1.3M |
| Long-term disability(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 4,447 | $3.6M |
| Prescription drug | STERLING LIFE | 185 | $316K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 2,630 | $1.6M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,379 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,814 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.