| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERTICAL FOX LLC3 | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | UNITEDHEALTHCARE INSURANCE COMPANY | $114K | $0 | $114K | 1.64% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 777 SOUTH FIGUEROA STREET LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 0.29% |
| MJ INSURANCE3 Filed as: JAMES E. BUONFIGIO | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 6.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 521 FIFTH AVENUE, 15TH FLOOR NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.98% |
| VERTICAL FOX LLC3 | 755 NEW YORK AVENUE, SUITE 220 HUNTINGTON, NY 11743 | VISION SERVICE PLAN | $276 | $0 | $276 | 0.46% |
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 | 564 | 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) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $6.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $6.9M |
| Vision | VISION SERVICE PLAN | 368 | $59K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $385K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $385K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $385K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,008 | $6.9M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 564 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.