| 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. | $281K | — | $281K | 2.33% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $23K | $2K | $25K | 10.90% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $612 | $7K | 10.65% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $475 | $6K | 10.53% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $347 | $10K | 22.43% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $80 | $2K | 22.43% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $41 | $1K | 22.66% |
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 | 941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,600 | $12.1M |
| Dental | AETNA LIFE INSURANCE CO. | 1,600 | $12.1M |
| Life insurance(6 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 632 | $403K |
| Short-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 632 | $345K |
| Long-term disability(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 632 | $345K |
| Other(6 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 632 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,600 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.