| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF MA, LLC | 980 WASHINGTON STREET SUITE 325 DEDHAM, MA 02026 | TUFTS INSURANCE COMPANY | — | $25K | $25K | 0.70% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80 SOUTH STREET SUITE 700 MINNEAPOLIS, MN 55402 | TUFTS INSURANCE COMPANY | $21K | — | $21K | 0.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 13793 NEWARK, NJ 07188 | TUFTS INSURANCE COMPANY | $17K | — | $17K | 0.50% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL ST 2ND FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.32% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 80TH SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $754 | — | $754 | 4.09% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 980 WASHINGTON ST STE 325 DEDHAM, MA 02026 | VISION SERVICE PLAN | $582 | — | $582 | 3.16% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS COMPANIES | 133 FEDERAL ST 2ND FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $948 | — | $948 | 6.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | — | $485 | 3.35% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS INSURANCE COMPANY | 454 | $3.5M |
| Vision | VISION SERVICE PLAN | 103 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $62K |
| Prescription drug | TUFTS INSURANCE COMPANY | 454 | $3.5M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.