| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 0.96% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4564 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | $11K | $13K | 1.31% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $9K | $9K | 0.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $9K | $11K | 1.25% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.89% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29848 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4564 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | $5K | $7K | 1.53% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOSTON | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $51K | — | $51K | 13.73% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $2K | $35K | 19.46% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $892 | $892 | 0.49% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $2K | $32K | 19.49% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $816 | $816 | 0.50% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $27K | 19.49% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $693 | $693 | 0.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY PO BOX 419623 BOSTON, MA 02241 | METLIFE LEGAL PLANS | $31K | — | $31K | 40.08% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | METLIFE LEGAL PLANS | $10K | — | $10K | 13.40% |
| RED GATE GROUP LLC3 Filed as: RED GATE | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | METLIFE LEGAL PLANS | — | $560 | $560 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $114 | $114 | 0.15% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | METLIFE LEGAL PLANS | — | $8 | $8 | 0.01% |
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 | 3,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,513 | $1.9M |
| Vision | EYEMED VISION CARE | 5,105 | $372K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,199 | $873K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,175 | $1.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,175 | $452K |
| Other(5 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,199 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,513 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.