| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $51K | — | $51K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | — | $29K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 14.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.58% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $22K | — | $22K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $10K | $2K | $12K | 9.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4625 LINDELL BOULEVARD SUITE 200 ST. LOUIS, MO 63108 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 18.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 1.38% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 15.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 2.25% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $184 | — | $184 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $236 | — | $236 | 3.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 2.88% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 2.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 27.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $902 | — | $902 | 22.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $210 | — | $210 | 5.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $719 | — | $719 | 19.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 10.26% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | C/O JAMES P. SMITH 470 ATLANTIC AVENUE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | C/O JAMES P. SMITH 470 ATLANTIC AVE 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 8.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 3.92% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $543 | — | $543 | 26.26% |
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 | 3,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $393K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $393K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,074 | $885K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,187 | $1.6M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,393 | $573K |
| Long-term disability(10 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,141 | $934K |
| Other(8 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,255 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,255 | — |
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.