| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | METROPOLITAN LIFE INSURANCE COMPANY | $358K | $65K | $423K | 6.78% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $36K | $36K | $71K | 20.00% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $10K | $21K | $31K | 15.00% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $11K | $16K | $27K | 25.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $609 | $121 | $730 | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.0. BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $288 | — | $288 | 1.45% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MAESTRO HEALTH3 | 500 W MADISON, STE 1250 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | — | $161 | 14.96% |
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 | 72,649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 72,656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 83,732 | $6.3M |
| Other(6 contracts, 4 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 72,349 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83,732 | — |
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.