| 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 | $45K | $0 | $45K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $0 | $51K | 16.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 0.89% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $40K | $0 | $40K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 17.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $11K | $860 | $12K | 16.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 16.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.82% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 20.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.68% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $0 | $135 | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 18.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 18.45% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $0 | $221 | 4.54% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 1.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 23.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $326 | $0 | $326 | 9.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 2.19% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $553 | $0 | $553 | 16.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $429 | $0 | $429 | 14.50% |
| AXIAL BENEFITS GROUP LLC3 | 5 BURLINGTON WOODS, SUITE 102 BURLINGTON, MA 01803 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 6.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $83 | $0 | $83 | 16.18% |
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 | 3,069 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $273K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $273K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,286 | $797K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,069 | $1.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,476 | $512K |
| Long-term disability(14 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,509 | $1.0M |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,596 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,596 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.