| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BLDG NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 0.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 0.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.22% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST, FL 4 BOSTON, MA 021108206 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $298 | $9K | 16.55% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W BLDG 16, STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $547 | $3K | 5.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | -$205 | $15 | -$190 | -0.37% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD, STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | -$205 | — | -$205 | -0.40% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD - SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 32.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $47 | $6K | 30.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $215 | $1K | 6.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $405 | $72 | $477 | 2.50% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD -STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 28.57% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $32 | $4K | 26.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16, STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $682 | $136 | $818 | 5.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $317 | $73 | $390 | 2.69% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD - SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 32.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE INC BROKERAGE INC | 160 FEDERAL ST, FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $33 | $4K | 29.84% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $733 | $149 | $882 | 6.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $329 | $56 | $385 | 2.84% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 253 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 253 | $1.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 253 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $51K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $51K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 253 | $1.6M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.