| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $121K | $121K | 4.81% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $42K | $42K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $19K | $19K | 3.11% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $218 | $4K | 2.65% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.55% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.65% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $0 | $38 | $38 | 0.10% |
No Schedule C service providers reported on this filing.
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 | 2,127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 159 | $37K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,095 | $213K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,127 | $1.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,254 | $605K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,014 | $2.5M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,127 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,095 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.