| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 ATTN MID ATLANTIC 520 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | -$628 | $2K | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 ATTN MID ATLANTIC 520 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$31 | $0 | -$31 | -0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 4.28% |
| BENJAMIN E. KEHL3 Filed as: BENJAMIN KEHL | 437 NAUBUC AVENUE, SUITE 108 GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.83% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH COURT BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.37% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 4.40% |
| BENJAMIN E. KEHL3 Filed as: BENJAMIN KEHL | 437 NAUBUC AVENUE, SUITE 108 GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.34% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH COURT BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.38% |
| BENJAMIN E. KEHL3 Filed as: BENJAMIN KEHL | 437 NAUBUC AVENUE, SUITE 108 GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 1.80% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH COURT BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $966 | $0 | $966 | 1.35% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $966 | $0 | $966 | 1.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 8.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $169 | $3K | 6.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERITAS LIFE INSURANCE CORP. | $592 | $0 | $592 | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORP. | $552 | $0 | $552 | 1.95% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 393 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 249 | $185K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 457 | $4.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 275 | $147K |
| Short-term disability | STANDARD INSURANCE COMPANY | 275 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 275 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 393 | $4.7M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 275 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.