| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 1600 SUMMER STREET SUITE 6 STAMFORD, CT 06905 | SUN LIFE ASSURANCE COMPANY OF CANADA | $109K | — | $109K | 32.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $91 | — | $91 | 0.03% |
| BRIAN ALLAIN3 | 250 PEHLE AVENUE SUITE 405 SADDLE BROOK, NJ 07663 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9 | — | $9 | 0.00% |
| PAUL CELLA3 | 732 NEWMAN SPRINGS ROAD 2ND FLOOR LINCROFT, NJ 07738 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5 | $5 | 0.00% |
| THOMAS STRANSKY3 | 1545 US HIGHWAY 206 S SUITE 200 BEDMINSTER, NJ 07921 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4 | — | $4 | 0.00% |
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 | 2,600 | 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) | 2,600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,628 | $339K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,628 | $339K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,628 | $339K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,628 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,628 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.