| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HPHC INSURANCE COMPANY | $17K | — | $17K | 1.50% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $16K | — | $16K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HPHC INSURANCE COMPANY | $12K | — | $12K | 1.50% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $11K | — | $11K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HPHC INSURANCE COMPANY | $4K | — | $4K | 1.50% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | HPHC INSURANCE COMPANY | $4K | — | $4K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 9.94% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE AGENCY | PO BOX 1388 BANGOR, ME 04402 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 7.48% |
| WOODROW W CROSS AGENCY3 | PO BOX 469 AUGUSTA, ME 04332 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.87% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | HPHC INSURANCE COMPANY | 194 | $2.2M |
| Dental | STANDARD INSURANCE COMPANY | 103 | $72K |
| Life insurance | AETNA LIFE INSURANCE CO. | 379 | $149K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 379 | $149K |
| Other | AETNA LIFE INSURANCE CO. | 379 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.