| 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 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 2.30% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL PLAN OF MAINE | $3K | — | $3K | 2.17% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 1.58% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.81% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $701 | — | $701 | 4.44% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS INSURANCE AGENCY, INC | P.O. BOX 469 AUGUSTA, ME 04332 | VISION SERVICE PLAN | $255 | — | $255 | 1.61% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 306 | $2.2M |
| Dental | DELTA DENTAL PLAN OF MAINE | 346 | $121K |
| Vision | VISION SERVICE PLAN | 129 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 214 | $110K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 214 | $110K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 214 | $110K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 214 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.