| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $85K | $14K | $99K | 31.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | PO BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 13.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1 JERICHO PLAZA SUITE 200 JERICHO, NY 11753 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 7.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT - MORRISTOW | 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $664 | — | $664 | 3.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | MORRISTOWN 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 16.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 21ST FLOOR TWO PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 3.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - LOS ANGELES | PO BOX 905494 CHARLOTTE, NC 282905494 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 2.99% |
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 | 1,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,725 | $11.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,725 | $10.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,725 | $10.2M |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,046 | $717K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,046 | $717K |
| Long-term disability(3 contracts, 3 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,046 | $744K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 149 | $1.0M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 1,046 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,725 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.