| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | WASHINGTON SQUARE 1050 CONNECTICUT AVENUE WASHINGTON, DC 20036 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $16K | $0 | $16K | 2.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $5K | 1.22% |
| ALLEN, CHRISTOPHER M3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 1.17% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 2.26% |
| ALLEN, CHRISTOPHER M3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 1.28% |
| LAMBERT, BRYAN, E3 Filed as: LAMBERT JR, BRYAN E | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | $0 | $17K | 4.61% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFITS GROUP, LLC | 277 DARTMOUTH STREET, 4TH FLOOR 20 PARK PLAZA BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $952 | $20K | 8.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 7.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $460 | $3K | 11.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $197 | $197 | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 121 RIVER STREET, FLOOR 5 HOBOKEN, NJ 07030 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $32 | $32 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EMPLOYERS DENTAL SERVICES | $416 | $0 | $416 | 7.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $297 | $0 | $297 | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$4 | $0 | -$4 | -0.79% |
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 | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 54 | $358K |
| Dental(2 contracts, 2 carriers) | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 1,876 | $697K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,581 | $159K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,423 | $400K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $240K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,394 | $415K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 54 | $358K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,423 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,876 | — |
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.