| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 111 MONUMENT CIRCLE #4300 INDIANAPOLIS, IN 46204 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $97K | — | $97K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 2.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | DELTA DENTAL OF NEW YORK | $2K | — | $2K | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $379 | $5K | 7.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 6 TOWER PLACE ALBANY, NY 12203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $662 | — | $662 | 1.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $888 | $7K | 12.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 6 TOWER PLACE ALBANY, NY 12203 | METROPOLITAN LIFE INSURANCE COMPANY | $422 | $42 | $464 | 0.89% |
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 | 728 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 728 | $6.7M |
| Dental | DELTA DENTAL OF NEW YORK | 758 | $220K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 728 | $6.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $52K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 346 | $65K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $52K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 374 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.