| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $128K | $128K | 4.59% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 0.41% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.07% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 079321424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $958 | $3K | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245 | — | $245 | 0.29% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.69% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $738 | $2K | 4.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | — | $243 | 0.45% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | UNUM INSURANCE COMPANY | $3K | $305 | $3K | 16.48% |
| ASSUREX3 | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $273 | — | $273 | 1.71% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.72% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | $139 | $419 | 3.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | — | $136 | 1.14% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | UNUM INSURANCE COMPANY | $1K | $148 | $2K | 18.01% |
| ASSUREX3 | 175 SOUTH 3RD ST SUITE 800 COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $759 | — | $759 | 9.19% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192 | $93 | $285 | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77 | — | $77 | 0.93% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | ARAG INSURANCE COMPANY | $326 | — | $326 | 5.00% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $380 | — | $380 | 7.74% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $122 | $49 | $171 | 3.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39 | — | $39 | 0.79% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 50 CALIFORNIA ST FLOOR 12 SAN FRANCISCO, CA 94111 | VISION | -$2K | — | -$2K | -364.80% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF SAWYER & CO | 2 PARK PLAZA SUITE 500 IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | — | $36 | 8.65% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12 | $6 | $18 | 4.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $2.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 138 | $16K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $93K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $12K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 44 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
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.