| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | THE HARTFORD LIFE AND ACCIDENT | $0 | $467 | $467 | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 1.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 7.75% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | THE HARTFORD LIFE AND ACCIDENT | $884 | $0 | $884 | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE AND ACCIDENT | $0 | $510 | $510 | 1.45% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | THE HARTFORD LIFE AND ACCIDENT | $0 | $119 | $119 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 8.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | THE HARTFORD LIFE AND ACCIDENT | $1K | $59 | $1K | 6.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE AND ACCIDENT | $0 | $140 | $140 | 0.84% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 101 SOUTH SALINA ST, 4TH FL SYRACUSE, NY 13202 | UNIVERA HEALTHCARE | $300 | $0 | $300 | 2.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $92 | $92 | 0.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | — | $4K | $4K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $0 | $13K | $13K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $0 | $177K | $177K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $4K | $288K | $292K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVENUE, SUITE 4000 BUFFALO, NY 14202 | HIGHMARK WESTERN NEW YORK | $4K | $100K | $103K | — |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 478 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERA HEALTHCARE | 2 | $10K |
| Dental(3 contracts, 2 carriers) | EMBLEMHEALTH | 149 | $144K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 35 | $17K |
| Prescription drug(3 contracts, 2 carriers) | UNIVERA HEALTHCARE | 56 | $10K |
| Stop-loss / reinsurancereinsurance | HIGHMARK WESTERN NEW YORK | 562 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.