| 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 | 17.56% |
| 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 | 9.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $360 | $360 | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Claims processing Service code 12 | — | $2.9M |
| DECOTIIS, FITZPATRICK, COLE & GIBLI EIN 31-1425096 NONE | Legal Service code 29 | 500 FRANK W BURR BLVD TEANECK, NJ 07666 | $1.4M |
| COMPUTER MANAGEMENT AND MARKETING EIN 23-2504910 NONE | Other services Service code 49 | — | $432K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management; Named fiduciary Service code 28 | — | $356K |
| CHRISTINE MEDICH EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $240K |
| THE LINDENBURGER GROUP EIN 22-3843551 NONE | Consulting (general); Consulting fees Service code 16 | — | $192K |
| HARDMAN JOHNSTON GLOBAL ADVISORS EIN 13-3257590 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $176K |
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 | Other fees Service code 99 | — | $153K |
| DEBORAH KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $130K |
| MICHAEL DALEO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $127K |
| SUSAN SONNTAG EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $106K |
| DATAPRISE EIN 52-1920434 NONE | Other fees; Other services; Consulting fees Service code 49 | — | $98K |
| ERIC TORBIC EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $95K |
| RACHEL GRODSKY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| SHERRY VISO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| SANDRA HOCK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| CAROL DETORE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $80K |
| PATRICIA MOLLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| MARIA RESENDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| DIANE RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $71K |
| SUSANIN, WIDMAN AND BRENNAN EIN 23-2265950 COUNSEL FOR TRUSTEE ER | Legal Service code 29 | — | $70K |
| CELESTE BAHIA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| SUSAN YANNETTA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| MARIANA RODRIGUEZ EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| ROSEMARIE OLIVERI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| ESTER TROIANELLO EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| PATRICK BURNS EIN 22-5033381 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| TYKEL JACKSON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| CECILIA LIVINGSTON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| JACLYN KINLEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $58K |
| ALEXANDER JACA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| 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 | — | $54K |
| MARCUS BAILEY EMPLOYEE | Employee (plan) Service code 30 | — | $51K |
| WASILEWSKI AND KEATING PC EIN 22-2676761 NONE | Accounting (including auditing) Service code 10 | — | $50K |
| KATHY MOSEJCHUK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| DEREK KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $45K |
| MARY ANN HARMON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| ESTHEFANY FULGENCIO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $40K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Consulting (general) Service code 16 | — | $38K |
| JACKIE DRAVIS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $34K |
| MCELROY, DEUTSCH, MULVANEY AND CARP EIN 22-2445165 NONE | Other fees Service code 99 | — | $27K |
| PAYCHEX EIN 16-1124166 NONE | Other services Service code 49 | — | $16K |
| GUARDIAN NURSES HEALTHCARE EIN 57-1187937 NONE | Consulting fees; Consulting (general) Service code 16 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | $13K |
| ROBERT HALF INTERNATIONAL INC. EIN 94-1648752 NONE | Finders' fees / placement fees Service code 61 | 215 PARK AVE S. NEW YORK, NY 10003 | $12K |
| WELLS FARGO INSTITUTIONAL RETIREMEN NONE | Custodial (securities); Investment advisory (plan); Investment management Service code 19 | 190 RIVER ROAD SUMMIT, NJ 07901 | $11K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 | Actuarial Service code 11 | — | $7K |
| WALSH, PIZZI, O'REILLY, FALANGA NONE | Legal Service code 29 | 1037 RAYMOND BLVD 600 NEWARK, NJ 07102 | $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 | 5,528 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 5,656 | $5.2M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE | 5,471 | $270K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $26K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,656 | — |
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.