| 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 | HARTFORD LIFE AND ACCIDENT | $178K | — | $178K | 5.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $49K | $49K | 1.63% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | -$4 | -$4 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | $17K | — | $17K | 4.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | — | $11K | $11K | 3.02% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $34K | — | $34K | 10.59% |
| MICHAEL ZIPP5 | 70 FOREST HILLS DR FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.53% |
| RPM HEALTH5 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.53% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | RETIREE RX PRESCRIPTION DRUG PLAN | $14K | — | $14K | 6.05% |
| MICHAEL ZIPP5 | 70 FOREST HILLS DRIVE FARMINGTON, CT 06032 | RETIREE RX PRESCRIPTION DRUG PLAN | $4K | — | $4K | 1.64% |
| RPM HEALTH5 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | RETIREE RX PRESCRIPTION DRUG PLAN | $4K | — | $4K | 1.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 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 | $8K | — | $8K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 20.00% |
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 | 5,525 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,065 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CVS PHARMACY, INC | 3,958 | $9.5M |
| Dental | DELTA DENTAL PLAN OF NJ, INC. | 8,658 | $3.1M |
| Vision | ANTHEM HEALTH PLANS, INC. | 3,743 | $406K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,975 | $3.0M |
| Short-term disability | THE HARTFORD LIFE INSURANCE COMPANY | 1,589 | $352K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,975 | $3.0M |
| Prescription drug(3 contracts, 2 carriers) | CVS PHARMACY, INC | 3,958 | $9.4M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 3,955 | $3.0M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,975 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,658 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.