| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 18.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 9.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $338 | $338 | 1.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Accounting (including auditing); Claims processing Service code 10 | — | $3.0M |
| DECOTIIS, FITZPATRICK, COLE & GIBLI NONE | Legal Service code 29 | 500 FRANK W BURR BLVD TEANECK, NJ 07666 | $2.7M |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $470K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Named fiduciary; Investment management fees paid directly by plan; Investment management Service code 28 | — | $310K |
| CHRISTINE MEDICH EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $220K |
| HARDMAN JOHNSTON GLOBAL ADVISORS EIN 13-3257590 NONE | Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $218K |
| OPERATING ENGR 825 UNION HALL AFFILIATE | Other services Service code 49 | 65 SPRINGFIELD AVENUE SPRINGFIELD, NJ 07081 | $199K |
| COMPUTER MANAGEMENT AND MARKETING EIN 23-2504910 NONE | Other services Service code 49 | — | $178K |
| SURESH ASWANI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $168K |
| DATAPRISE EIN 52-1920434 NONE | Other services; Other fees; Consulting fees Service code 49 | — | $144K |
| DEBORAH KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $119K |
| THE LINDENBURGER GROUP EIN 22-3843551 NONE | Consulting fees; Consulting (general) Service code 16 | — | $116K |
| THERESE EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $110K |
| SUSANIN, WIDMAN AND BRENNAN EIN 23-2265950 COUNSEL FOR TRUSTEE ER | Legal Service code 29 | — | $103K |
| TERRENCE R. MOONEY, CPA EIN 22-2310315 NONE | Accounting (including auditing) Service code 10 | — | $94K |
| SUSAN SONNTAG EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| ERIC TORBIC EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| SKY PRINTING LLC EIN 45-3703552 NONE | Copying and duplicating Service code 36 | — | $84K |
| MICHAEL DALEO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $80K |
| CAROL DETORE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| SHERRY VISO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| SANDRA HOCK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| HARRIET ORMIANER EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| RACHEL GRODSKY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| THOMAS EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| PATRICIA MOLLEN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $72K |
| MARIA RESENDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| ANNA DIAZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| THOMAS SAPIO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| TYKEL JACKSON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| CELESTE BAHIA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| ALEXANDER JACA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| MIRIAM SCHULZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| ROSEMARIE OLIVERI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| SUSAN YANNETTA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| MARIANA ROJAS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| PATRICK BURNS EIN 22-5033381 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| CECILIA LIVINGSTON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| KATHY MOSEJCHUK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| DIANE RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $55K |
| PAMELA PARLAPIANO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $52K |
| JACLYN KINLEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| TIRA DAVIS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| ROSANNE BARCA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| MCELROY, DEUTSCH, MULVANEY AND CARP EIN 22-2445165 NONE | Other fees Service code 99 | — | $46K |
| WASILEWSKI AND KEATING PC EIN 22-2676761 NONE | Accounting (including auditing) Service code 10 | — | $46K |
| ESTHER GUEVAREZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $44K |
| ASSUNTA BLUNTSCHLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| MARY ANN HARMON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
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 | 5,458 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 5,800 | $5.1M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE | 5,537 | $225K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $25K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 79 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,800 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.