| 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 | 13.49% |
| 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 | 8.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $398 | — | $398 | 1.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Claims processing Service code 12 | — | $3.0M |
| DECOTIIS, FITZPATRICK, COLE & GIBLI EIN 31-1425096 NONE | Legal Service code 29 | 500 FRANK W BURR BLVD TEANECK, NJ 07666 | $851K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management; Named fiduciary; Investment management fees paid directly by plan Service code 28 | — | $385K |
| COMPUTER MANAGEMENT AND MARKETING EIN 23-2504910 NONE | Other services Service code 49 | — | $302K |
| CHRISTINE MEDICH EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $254K |
| OPERATING ENGR 825 UNION HALL AFFILIATE | Other fees Service code 99 | 65 SPRINGFIELD AVENUE SPRINGFIELD, NJ 07081 | $238K |
| THE LINDENBERGER GROUP, LLC EIN 40-0020279 NONE | Consulting (general); Consulting fees Service code 16 | — | $196K |
| TELEMEDICINE MANAGEMENT, INC. EIN 26-1306606 NONE | Other fees Service code 99 | — | $191K |
| SUSAN SONNTAG EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $187K |
| HARDMAN JOHNSTON GLOBAL ADVISORS EIN 13-3257590 NONE | Investment management Service code 28 | — | $179K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $159K |
| MICHAEL DALEO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $152K |
| ERIC TORBIC EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $147K |
| PATRICE CLARKE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $135K |
| SHERRY VISO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $135K |
| MICHAEL LEONETTI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $132K |
| CHRISTOPHER SCHIAVINO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $129K |
| RACHEL GRODSKY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $120K |
| THERESE EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $120K |
| DREW & ROGERS EIN 22-1409195 NONE | Copying and duplicating Service code 36 | — | $119K |
| THOMAS EDWARDS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $119K |
| SUSANIN, WIDMAN AND BRENNAN EIN 23-2265950 COUNSEL FOR TRUSTEE ER | Legal Service code 29 | — | $100K |
| MIRIAM SCHULZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $98K |
| CELESTE BAHIA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $97K |
| ALEXANDER JACA EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $94K |
| MARIANA RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| MCCARTER + ENGLISH LLP EIN 22-1534652 NONE | Legal Service code 29 | — | $85K |
| TYKEL JACKSON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| JACLYN KINLEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| PATRICIA MOLLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| CAROL DETORE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $81K |
| TIRA DAVIS EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $80K |
| ROSEMARIE OLIVERI EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $78K |
| PATRICK BURNS EIN 22-5033381 EMPLOYEE | Employee (plan) Service code 30 | — | $77K |
| SANDRA HOCK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $75K |
| IFRAJ BEHLIN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| SUSAN MCBRIDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $74K |
| KATHY MOSEJCHUK EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $73K |
| ESTER TROIANELLO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| DEREK KELLY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| LAUREN MCMILLAN EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $68K |
| MARYBETH BUONOPANE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| CECILIA LIVINGSTON EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| MARCUS BAILEY EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $63K |
| DIANE RODRIGUEZ EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| ESTHEFANY FULGENCIO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $57K |
| MARIA RESENDE EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $55K |
| THOMAS SAPIO EIN 22-6033381 EMPLOYEE | Employee (plan) Service code 30 | — | $54K |
| DATAPRISE, INC. EIN 52-1920434 NONE | Consulting fees; Other fees; Other services Service code 49 | — | $52K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Consulting (general); Investment advisory (plan) 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 | 5,721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,569 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIDELIO INSURANCE COMPANY | 7,353 | $7.0M |
| Life insurance(2 contracts, 2 carriers) | AMALGAMATED LIFE | 7,175 | $2.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 41 | $35K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 41 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,353 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.