| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVE, 25TH FLOOR NEW YORK, NY 10016 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 0.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC | 200 LIBERTY STREET, 7TH FL NEW YORK, NY 10281 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $15K | — | $15K | 19.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.00% |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN | 293 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $294K |
| Vision | VISION SERVICE PLAN | 1,586 | $215K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,265 | $755K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,575 | $612K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,265 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,265 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.