| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4365 PAYSPHERE CYCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $108K | — | $108K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4365 PAYSPHERE CYCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.07% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 060340527 | MANHATTANLIFE | $114K | — | $114K | 10.51% |
| AON CONSULTING INC Filed as: AON CONSULTING, INC | 30 WATERSIDE DR FARMINGTON, CT 06032 | MANHATTANLIFE | $47K | — | $47K | 4.35% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 294928378 | HARTFORD LIFE AND ACCIDENT | $218K | $10K | $228K | 32.23% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $191K | — | $191K | 43.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4365 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.86% |
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 | 4,977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PHYSICIANS EYECARE PLAN | 6,922 | $742K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,977 | $2.5M |
| Short-term disability | MANHATTANLIFE | 2,092 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,977 | $2.0M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,977 | $868K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,922 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.