| 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 | 15.89% |
| 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 | 9.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $414 | $414 | 1.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Claims processing Service code 12 | — | $2.7M |
| DECOTIIS, FITZPATRICK, COLE & GIBLI EIN 31-1425096 NONE | Legal Service code 29 | 500 FRANK W BURR BLVD TEANECK, NJ 07666 | $1.6M |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $409K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management; Named fiduciary Service code 28 | — | $383K |
| COMPUTER MANAGEMENT AND MARKETING EIN 23-2504910 NONE | Other services Service code 49 | — | $300K |
| CHRISTINE MEDICH EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $247K |
| THE LINDENBERGER GROUP, LLC EIN 40-0020279 NONE | Consulting fees; Consulting (general) Service code 16 | — | $187K |
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 | Other fees Service code 99 | — | $172K |
| HARDMAN JOHNSTON GLOBAL ADVISORS EIN 13-3257590 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $144K |
| SUSAN SONNTAG EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $142K |
| MICHAEL DALEO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $139K |
| ERIC TORBIC EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $136K |
| PATRICE CLARKE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $131K |
| THERESE EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $129K |
| MICHAEL LEONETTI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $125K |
| DATAPRISE EIN 52-1920434 NONE | Other fees; Consulting fees; Other services Service code 49 | — | $124K |
| MARIANA RODRIGUEZ EMPLOYEE | Employee (plan) Service code 30 | — | $118K |
| RACHEL GRODSKY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $110K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general); Actuarial Service code 11 | — | $110K |
| THOMAS EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $109K |
| MCCARTER + ENGLISH LLP EIN 22-1534652 | Legal Service code 29 | — | $107K |
| TYKEL JACKSON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $104K |
| ALEXANDER JACA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| SHERRY VISO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $93K |
| SANDRA HOCK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| ESTER TROIANELLO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $83K |
| CAROL DETORE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| PATRICIA MOLLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| MIRIAM SCHULZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| DIANE RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| JACLYN KINLEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| CELESTE BAHIA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| PATRICK BURNS EIN 22-5033381 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| ROSEMARIE OLIVERI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| KATHY MOSEJCHUK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $69K |
| SUSANIN, WIDMAN AND BRENNAN EIN 23-2265950 COUNSEL FOR TRUSTEE ER | Legal Service code 29 | — | $68K |
| MARIA RESENDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| SUSAN MCBRIDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $67K |
| MARCUS BAILEY EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| TIRA DAVIS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| LAUREN MCMILLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| LUDIVINA GO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $65K |
| IFRAJ BEHLIN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $64K |
| ROBERT HALF INTERNATIONAL INC. EIN 94-1648752 NONE | Accounting (including auditing) Service code 10 | 215 PARK AVE S. NEW YORK, NY 10003 | $63K |
| CECILIA LIVINGSTON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| DEREK KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| MARYBETH BUONOPANE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| SUSAN YANNETTA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| CHRISTOPHER SCHIAVINO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $56K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Investment advisory (plan); Consulting (general) Service code 16 | — | $52K |
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 | 5,624 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 5,755 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE | 5,439 | $275K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $32K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 39 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,755 | — |
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.