| 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 | $153K | — | $153K | 3.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $16K | — | $16K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | — | $20K | 15.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | — | $4K | 9.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 14.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $694 | — | $694 | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $479 | — | $479 | 5.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 29.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $490 | $69 | $559 | 11.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 43.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $338 | — | $338 | 9.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $137 | — | $137 | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $147 | — | $147 | 5.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $113 | — | $113 | 4.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $41 | — | $41 | 3.14% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 340 | $4.1M |
| Dental | DELTA DENTAL OF NEW YORK | 711 | $235K |
| Vision | VISION SERVICE PLAN | 310 | $39K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 492 | $130K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 509 | $87K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 313 | $47K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 340 | $4.1M |
| Other(13 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 492 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.