| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY #2-600 AUSTIN, TX 78746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 3.89% |
| JAMES R NELLIGAN & ASSOCIATES LLC2 | 2002 GIARDINA CT WALL, NJ 07719 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 2.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | SUITE 500 6500 ROCK SPRING DRIVE BETHESDA, MD 20817 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 2.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| BROKER NOT PROVIDED3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.68% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 383 | $50K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 399 | $532K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 399 | $532K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 399 | $600K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.