| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $97K | $16K | $112K | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $0 | $10K | $10K | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $0 | $621 | $621 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $15K | — | $15K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $17K | — | $17K | 25.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| JOHN J. HALPIN4 | 428 S.DUNTON AVE. ARLINGTON HTS, IL 60005 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $4K | — | $4K | 12.79% |
| WILLIAM R. GUYTHER4 | 1005 ROGOSIN BLVD LOWELL, NC 28098 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7 | — | $7 | 0.02% |
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 | 1,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 3,900 | $2.4M |
| Vision | VISION SERVICE PLAN | 890 | $152K |
| Life insurance | AETNA LIFE INSURANCE CO. | 3,900 | $2.4M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 3,900 | $2.4M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 4,881 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,881 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.