| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL PLAN OF MAINE | $11K | — | $11K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 12.15% |
| UKG INC3 Filed as: UKG, INC. | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 12.00% |
| UKG INC3 Filed as: UKG, INC. | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 12.00% |
| UKG INC3 Filed as: UKG, INC. | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 19.59% |
| UKG INC3 Filed as: UKG, INC. | PO BOX 930953 ATLANTA, GA 31193 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $156 | $260 | $416 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF MAINE, INC. | $18K | $0 | $18K | 82.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | — | $1K | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | LEGALPLANS, USA | $860 | — | $860 | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | $77 | $340 | 6.70% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 436 | $222K |
| Vision | ANTHEM HEALTH PLANS OF MAINE, INC. | 371 | $22K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 282 | $112K |
| Short-term disability | STANDARD INSURANCE COMPANY | 275 | $96K |
| Long-term disability | STANDARD INSURANCE COMPANY | 282 | $55K |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 295 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.