| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $39K | $0 | $39K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 476 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119K | $40K | $159K | 10.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $96 | $0 | $96 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $73K | $0 | $73K | 13.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVE BOSTON, MA 02210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $21K | $0 | $21K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $19K | $106 | $19K | 14.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METLIFE LEGAL PLANS | $0 | $182 | $182 | 0.14% |
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 | 6,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 8,057 | $2.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 7,454 | $534K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,849 | $1.6M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,849 | $1.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,849 | $1.6M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,178 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,057 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.