| 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 | $26K | — | $26K | 2.98% |
| ALLEN, CHRISTOPHER M3 | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $6K | 1.69% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.01% |
| ALLEN, CHRISTOPHER M3 | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 2.25% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 4.88% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFITS GROUP LLC | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $6K | $34K | 16.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EMPLOYERS DENTAL SERVICES | $668 | — | $668 | 7.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. OF CO. PITTSBURGH, PA. | $297 | — | $297 | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $12 | — | $12 | — |
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 | 1,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 39 | $263K |
| Dental(2 contracts, 2 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 2,219 | $887K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 1,924 | $107K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,971 | $331K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,625 | $573K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,625 | $366K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,971 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,219 | — |
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.