| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 4.20% |
| GCG FINANCIAL LLC3 Filed as: HP PLANNING LLC DBA ALERA NORTHEAST | 535 CONNECTICUT AVE SUITE 502 NORWALK, CT 06854 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 8.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | — | $9K | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INS. AGENCY | 15 BROAD ST BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $765K |
| MERCER HEALTH & BENEFITS INSURANCE AGENTS/BROKERS | Insurance agents and brokers Service code 22 | 1717 ARCH ST. 26TH FLOOR PHILADELPHIA, PA 19103 | $222K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $116K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $29K |
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 | 1,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 413 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,905 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $2K |
| Vision | EYEMED VISION CARE | 3,588 | $190K |
| Life insurance(5 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,354 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,269 | $567K |
| Other(4 contracts, 4 carriers) | PLEIADES INSURANCE COMPANY, LTD | 1,405 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,588 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.