| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 5.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | -$1K | -$1K | -1.17% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVNEUE, 30TH FLOOR PITTSBURGH, PA 15222 | DELTA DENTAL OF OHIO | $371 | $0 | $371 | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4 EMBARCADERO CENTER SUITE 40 SAN FRANSISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.78% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVNEUE, 30TH FLOOR PITTSBURGH, PA 15222 | METLIFE LEGAL PLANS | $550 | $22 | $572 | 10.41% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 163 | $59K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $91K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $91K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $91K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 176 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.