| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 212 CARNEGIE CENTER PRINCETON, NJ 085436236 | SYMETRA LIFE INSURANCE COMPANY | $78K | — | $78K | 8.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INS. AGENCY LLC | 120 WEST 45TH STREET NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $688K |
| AETNA LIFE INSURANCE COMPANYAND AFF CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | MERCER HEALTH BENEFITS LLC PAYSPHERE CIRCLE CHICAGO, IL 60674 | $130K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $83K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINSTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $39K |
| HEALTH AND HUMAN RESOURCE CENTER PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $2K |
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 | 1,296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AND HUMAN RESOURCE CENTER, INC. | 76 | $2K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $252K |
| Life insurance(4 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,399 | $842K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 996 | $969K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,309 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,399 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.