| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 27447 NEW YORK, NY 10087 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.95% |
| RICHARD GEORGE SUTER3 | 3455 WRIGHTVIEW DRIVE STUDIO CITY, CA 91604 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.92% |
| RICHARD A ST JEAN3 | 280 CONGRESS STREET, SUITE 1300 BOSTON, MA 02210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $574 | $4K | 1.82% |
| ANDREW L MOORE3 | 4675 MACARTHUR COURT, SUITE 1050 NEWPORT BEACH, CA 92660 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS, INC. | 1301 5TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH FINANCIAL INSURANCE SERVICES | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $400 | $0 | $400 | 0.17% |
| MJ INSURANCE3 Filed as: GREGG A ANDERSON & VARIOUS AGENTS | 6065 SE MARINER SANDS DRIVE STUART, FL 34997 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.03% |
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 | 5,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $26K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $26K |
| Vision | VISION SERVICE PLAN | 3,856 | $672K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,295 | $3.6M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,824 | $2.9M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $26K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,295 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,295 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.