| 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 | 19.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 10.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $345 | $345 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Claims processing Service code 12 | — | $2.9M |
| DECOTIIS, FITZPATRICK, COLE & GIBLI NONE | Legal Service code 29 | 500 FRANK W BURR BLVD TEANECK, NJ 07666 | $1.7M |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Named fiduciary; Investment management Service code 28 | — | $331K |
| CHRISTINE MEDICH EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $228K |
| COMPUTER MANAGEMENT AND MARKETING EIN 23-2504910 NONE | Other services Service code 49 | — | $221K |
| TERRENCE R. MOONEY, CPA EIN 22-2310315 NONE | Accounting (including auditing) Service code 10 | — | $139K |
| SUSANIN, WIDMAN AND BRENNAN EIN 23-2265950 COUNSEL FOR TRUSTEE ER | Legal Service code 29 | — | $128K |
| DEBORAH KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $124K |
| DATAPRISE EIN 52-1920434 NONE | Consulting fees; Other fees; Other services Service code 49 | — | $113K |
| HARDMAN JOHNSTON GLOBAL ADVISORS EIN 13-3257590 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $112K |
| THE LINDENBURGER GROUP EIN 22-3843551 NONE | Consulting fees; Consulting (general) Service code 16 | — | $111K |
| MICHAEL DALEO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $107K |
| SKY PRINTING LLC EIN 45-3703552 NONE | Copying and duplicating Service code 36 | — | $107K |
| SUSAN SONNTAG EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| ERIC TORBIC EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $90K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $80K |
| RACHEL GRODSKY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $80K |
| CAROL DETORE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| SANDRA HOCK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| PATRICIA MOLLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| SHERRY VISO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $76K |
| MARIA RESENDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| CELESTE BAHIA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| SUSAN YANNETTA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| ROSEMARIE OLIVERI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| TYKEL JACKSON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| KATHY MOSEJCHUK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| CECILIA LIVINGSTON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| ALEXANDER JACA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| PATRICK BURNS EIN 22-5033381 EMPLOYEE | Employee (plan) Service code 30 | — | $61K |
| MARIANA RODRIGUEZ EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| ANNA DIAZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| DIANE RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $58K |
| JACLYN KINLEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $54K |
| IFRAJ BEHLIN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| ESTER TROIANELLO EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| WASILEWSKI AND KEATING PC EIN 22-2676761 NONE | Accounting (including auditing) Service code 10 | — | $46K |
| MARCUS BAILEY EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| MARY ANN HARMON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan) Service code 27 | — | $35K |
| JACKIE DRAVIS EMPLOYEE | Employee (plan) Service code 30 | — | $33K |
| SURESH ASWANI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| MCELROY, DEUTSCH, MULVANEY AND CARP EIN 22-2445165 NONE | Other fees Service code 99 | — | $26K |
| WELLS FARGO INSTITUTIONAL RETIREMEN NONE | Custodial (securities); Investment management; Investment advisory (plan) Service code 19 | 190 RIVER ROAD SUMMIT, NJ 07901 | $22K |
| WALSH, PIZZI, O'REILLY, FALANGA NONE | Legal Service code 29 | 1037 RAYMOND BLVD 600 NEWARK, NJ 07102 | $11K |
| COLUMBIA PARTNERS INVESTMENT EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $9K |
| PAYCHEX EIN 16-1124166 NONE | Other services Service code 49 | — | $9K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 | Actuarial Service code 11 | — | $6K |
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 | 5,472 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 5,741 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE | 7,044 | $228K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 40 | $24K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 40 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,044 | — |
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.