| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, FLOOR 5 NEW YORK, NY 10016 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $25K | $0 | $25K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $14K | $0 | $14K | 0.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW Y ORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.67% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE, SUITE 102 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $10K | $0 | $10K | 3.03% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4656 PAYSHPERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $11K | $308 | $11K | 25.71% |
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 | 2,222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,272 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,111 | $327K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 6,534 | $2.7M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,448 | $431K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,448 | $431K |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 6,534 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,534 | — |
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."
No prospect flags tripped on this filing.