| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH SERVICES LLC | 501 W OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $88K | $11K | $99K | 1.85% |
| PFG BENEFITS, INC.3 Filed as: PFG BENEFITS INC. | 117 KENDRICK STREET SUITE 300 NEEDHAM, MA 02494 | GUARDIAN LIFE INSURANCE CO OF AMERICA | $16K | — | $16K | 5.42% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 501 OFFICE CENTER DRIVE SUITE 216 FORT WASHINGTON, PA 19034 | EYEMED VISION CARE, LLC | $2K | — | $2K | 10.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10 | $10 | — |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 353 | $5.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 353 | $5.4M |
| Vision | EYEMED VISION CARE, LLC | 188 | $21K |
| Life insurance | GUARDIAN LIFE INSURANCE CO OF AMERICA | 454 | $303K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO OF AMERICA | 454 | $303K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE CO OF AMERICA | 454 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.