| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | $17K | $85K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $24K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $6K | $32K | 5.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 1.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $516 | $3K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 445 SOUTH STREET MORRISTOWN, NJ 07960 | FIRST UNUM LIFE INSURANCE COMPANY | $329 | $82 | $411 | 0.50% |
| 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 | 4,085 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 246 | $1.2M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 7,166 | $2.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,062 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,001 | $201K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,695 | $626K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,521 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,166 | — |
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.