| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FL WHITEPLAINS, NY 10601 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 4500 TOWN CENTER DR STE 200 JEFFERSONVILLE, IN 47130 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALERA GROUP INC EIN 81-4473358 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5 COLD HILL RD S, STE 20 MENDHAM, NJ 07945 | $37K |
| PAYFLEX EIN 91-1774434 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 10802 FARNAM DRIVE, SUITE 100 OMAHA, NE 68154 | $9K |
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 | 1,236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,624 | $134K |
| Dental | DELTA DENTAL OF NJ, INC | 1,007 | $673K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,624 | $134K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,236 | $810K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,236 | $810K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,236 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,624 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.