| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 13793 NEWARK, NJ 07188 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 1.43% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 0.69% |
| STUART MIGDON3 | C/O BGIA PLAZA NINE 900 RT. 9 SUITE 503 WOODBRIDGE, NJ 07096 | DELTA DENTAL OF NJ, INC | $4K | — | $4K | 1.52% |
| PHILIP LIAN3 Filed as: PHILIP E LIAN | C/O PHILIP E LIAN INSURANCE SERVICE 7 HODGE ROAD PRINCETON, NJ 08540 | DELTA DENTAL OF NJ, INC | $3K | — | $3K | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1717 ARCH STREET 27TH FLOOR PHILADELPHIA, PA 19103 | DELTA DENTAL OF NJ, INC | $2K | — | $2K | 0.82% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $6K | $9K | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.63% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $684 | — | $684 | 0.38% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $143 | $17K | 22.09% |
| VARIOUS - SEE ATTACHMENT4 | ONE PRE-PAID WAY ADA, OK 74820 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $13K | — | $13K | 19.06% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.09% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $712 | — | $712 | 1.05% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.19% |
| PHILIP LIAN3 | 7 HODGE ROAD PRINCETON, NJ 08540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $453 | — | $453 | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC. | TWO PIERCE PL 21ST FLR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163 | $215 | $378 | 3.86% |
| STUART MIGDON3 | 900 ROUTE 9 SUITE 503 WOODBRIDGE, NJ 07095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 2.17% |
| VARIOUS - SEE ATTACHMENT3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $1 | $1K | 23.26% |
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 | 2,833 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 644 | $4.8M |
| Dental | DELTA DENTAL OF NJ, INC | 594 | $249K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 644 | $4.8M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 2,833 | $145K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,818 | $179K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,833 | $78K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 644 | $4.8M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 2,833 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,833 | — |
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.