| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $38K | $11K | $48K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $28K | — | $28K | 1.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.92% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.45% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.92% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $903 | — | $903 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.92% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $707 | — | $707 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.92% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $686 | — | $686 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $430 | — | $430 | 5.92% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $382 | — | $382 | 5.93% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $150 | — | $150 | 5.93% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $134 | — | $134 | 5.94% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 5.96% |
| SAPERS & WALLACK3 Filed as: SAPERS AND WALLACK INS AGENCY INC | SUITE 110 275 WASSHINGTON STREET NEWTON, MA 02458 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 2.52% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 416 | $2.6M |
| Life insurance(4 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $64K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 135 | $37K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 263 | $59K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 268 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.