| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: M & T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $22K | — | $22K | 3.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA RD STE 210 SCOTTSDALE, AZ 85260 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | — | $22K | $22K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $923 | $923 | 0.24% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $383K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $383K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $383K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $383K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 318 | $727K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.