| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 70 LINDEN OAKS, STE 210 ROCHESTER, NY 14625 | EXCELLUS BLUECROSS BLUESHIELD | $93K | — | $93K | 2.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $10K | — | $10K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSHPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 9.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 9.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.51% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 8.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $728 | — | $728 | 5.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $937 | — | $937 | 11.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.39% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $773 | — | $773 | 11.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.32% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | EXCELLUS BLUECROSS BLUESHIELD | 324 | $3.4M |
| Dental | DELTA DENTAL OF NEW YORK | 677 | $196K |
| Vision | VISION SERVICE PLAN | 318 | $32K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 420 | $133K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 358 | $52K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 318 | $38K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 324 | $3.3M |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 420 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.