| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $264 | $5K | $5K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 6.53% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 4.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $308 | $0 | $308 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $273 | $2K | $2K | 2.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 1.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 9.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $287 | $287 | 1.61% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD INSURANCE COMPANY | $34 | $98 | $132 | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $919 | $0 | $919 | 7.63% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $61 | $198 | $259 | 2.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $237 | $237 | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $221 | $221 | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $622 | $0 | $622 | 7.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $149 | $149 | 1.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $41 | $105 | $146 | 1.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $126 | $126 | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $928 | $0 | $928 | 13.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $84 | $81 | $165 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $124 | $124 | 1.84% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $97 | $97 | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $695 | $0 | $695 | 10.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $45 | $80 | $125 | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $123 | $123 | 1.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 8110 EAST UNION SUITE 700 DENVER, CO 80237 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $96 | $96 | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $164 | $0 | $164 | 7.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $38 | $38 | 1.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $18 | $0 | $18 | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC. | 601 MERRITT 7 NORWALK, CT 06856 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $43 | $0 | $43 | 7.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | — | $10 | $10 | 1.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | PO BOX 417484 BOSTON, MA 02241 | STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3 | $0 | $3 | 0.54% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 244 | $137K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 331 | $231K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 127 | $25K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 287 | $96K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 331 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.