| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $43K | $57K | 2.66% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INS GROUP LLC | 30 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.27% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS & DOWNE | 4200 INNSLAKE DRIVE SUITE 303 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | — | -$441 | -$441 | -0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $17K | — | $17K | 9.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $2K | $2K | 1.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $560 | $560 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $256 | $256 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $232 | $232 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $278 | $278 | 0.58% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, ME 04106 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 20.00% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $377 | — | $377 | 15.00% |
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 | 12,488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,784 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,213 | $2.1M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 638 | $1.1M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,835 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,835 | — |
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."
No prospect flags tripped on this filing.