| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $21K | $96K | 6.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $8K | $37K | 6.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $12K | 6.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $849 | $4K | 6.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $798 | — | $798 | 25.00% |
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 | 4,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 254 | $1.2M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 7,621 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,184 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,751 | $547K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,273 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,621 | — |
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."
No prospect flags tripped on this filing.