| 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 | $29K | $0 | $29K | 10.42% |
| RICHARD GEORGE SUTER3 | 3455 WRIGHTVIEW DRIVE STUDIO CITY, CA 91604 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.91% |
| RICHARD A ST JEAN3 | 280 CONGRESS STREET, SUITE 1300 BOSTON, MA 02210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $18 | $5K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH EXECUTIVE BENEFITS INC | 1301 5TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH FINANCIAL INSURANCE SERVICES | 99 HIGH STREET BOSTON, MA 02110 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $229 | $0 | $229 | 0.08% |
| GREGG A ANDERSON3 | 6065 SE MARINER SANDS DRIVE STUART, FL 34997 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.04% |
| JAMES MCGRATH3 Filed as: JAMES M MCGRATH & OTHER AGENTS | 2531 LANDMARK DRIVE, SUITE 204 CLEARWATER, FL 33761 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | $0 | $14 | 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 | 5,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,021 | $403K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $17K |
| Vision | VISION SERVICE PLAN | 3,782 | $632K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,374 | $3.2M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,964 | $2.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $17K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,374 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,374 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.