| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $175K | — | $175K | 9.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 400 MIDLAND DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE, 13TH FLOOR BOSTON, MA 02210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 2.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SOLUTIONS | 470 ATLANTIC AVENUE BOSTON, MA 02210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 1.24% |
| VARIOUS - SEE ATTACHMENT3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48K | $14K | $62K | 17.46% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $4K | $12K | 8.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $657 | $8K | 5.27% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.27% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 12.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE 10TH FLOOR BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC | $518 | — | $518 | 0.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR, STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 7.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | KAISER FOUNDATION HEALTH PLAN INC | $368 | — | $368 | 0.71% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $423 | $3K | 10.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $381 | $381 | 1.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 470 ATLANTIC AVENUE BOSTON, MA 02210 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 39.81% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $569 | $249 | $818 | 8.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $42 | $405 | 4.44% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $12 | $61 | 0.67% |
| DAVID A. CLAUSEN3 | 43 DWHINDA ROAD WABAN, MA 02468 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.32% |
| MARK LUCIER3 Filed as: MARK BROOKS LUCIER | 2 RICE SPRING LANE WAYLAND, MA 01778 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.32% |
| VARIOUS - SEE ATTACHMENT3 | PO BOX 1365 COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $705 | $1 | $706 | 10.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $164 | — | $164 | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SOLUTIONS | 470 ATLANTIC AVENUE BOSTON, MA 02210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $40 | — | $40 | 0.74% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $53 | $207 | 5.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $13 | $114 | 3.07% |
| JAMES DUNCAN BLUE3 | 100 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 1.43% |
| JOSEPH PARKER DAVIES3 Filed as: JOSEPH MARK GRAY | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $11 | $32 | 0.86% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.11% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $98 | $378 | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $22 | $207 | 5.80% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $17 | $37 | 1.04% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.56% |
| M. FINANCIAL HOLDINGS INCORPORATED3 | 1125 COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $31 | $281 | 10.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $39 | $39 | 1.42% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $209 | $69 | $278 | 11.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $115 | — | $115 | 4.64% |
| CHRISTOPHER M. ALLEN3 | 20 PARK PLAZA, SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12 | $8 | $20 | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE, 10TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $15 | $15 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTER, SUITE 100 ROCHESTER, NY 14618 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15 | — | $15 | 0.61% |
| BRYAN LAMBERT3 Filed as: BRYAN E. LAMBERT | 20 PARK PLAZA SUITE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12 | — | $12 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 606945287 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $83 | — | $83 | 7.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SOLUTIONS | 470 ATLANTIC AVENUE BOSTON, MA 02210 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 4.17% |
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 | 2,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $166K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1 | $14K |
| Vision(5 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,168 | $484K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,430 | $1.9M |
| Long-term disability(9 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,430 | $2.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 17 | $52K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,503 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,168 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.