| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | WASHINGTON SQ 1050 CONNECTICUT AVE WASHINGTON, DC 20036 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $36K | — | $36K | 4.08% |
| ALLEN, CHRISTOPHER M3 | 20 PARK PLAZE SUITE 478 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 2.08% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 783 WEBSTER ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.09% |
| ALLEN, CHRISTOPHER M3 | 20 PARK PLAZE SUITE 478 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 2.36% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 783 WEBSTER ST NEEDHAM, MA 02492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EMPLOYERS DENTAL SERVICES | $1K | — | $1K | 7.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. OF CO. PITTSBURGH, PA. | $555 | — | $555 | 25.02% |
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 | 1,402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 2,155 | $909K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 1,928 | $145K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,976 | $293K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,534 | $622K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,534 | $622K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,479 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,479 | — |
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.