| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 3.37% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 7.58% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 7.74% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 9.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 5.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 Filed as: PLANSOURCE BENEFITS ADMINISTATION, | PO BOX 1313 ORLANDO, FL 32802 | ARAG INSURANCE COMPANY | — | $830 | $830 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $139 | $2K | 5.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $98 | $1K | 5.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $96 | $1K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER MANAGEMENT SERV | 500 N BRAND BLVD SUITE 100 GLRNDALE, CA 91203 | FEDERAL INSURANCE COMPANY | $936 | — | $936 | 15.00% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | — | $992 | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $50 | — | $50 | 5.04% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 133 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,018 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,173 | $420K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 758 | $50K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 750 | $144K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 298 | $202K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 298 | $109K |
| Other(8 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 885 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,173 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.