| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 601 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7 NORWALK, CT 06856 | PROVIDENCE HEALTH PLAN | $12K | — | $12K | 2.67% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INS BROKERAGE INC | 4 PUNCHARD AVE STE 300 ANDOVER, MA 01810 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.68% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD ADAMS COMPANY INC | 5201 SW WESTGATE DRIVE SUITE 300 PORTLAND, OR 97221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $503 | — | $503 | 5.48% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD ADAMS COMPANY INC | 5201 SW WESTGATE DRIVE STE 300 PORTLAND, OR 97221 | VISION SERVICE PLAN | $460 | — | $460 | 7.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $94 | — | $94 | 1.55% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD ADAMS COMPANY INC | 5201 SW WESTGATE DR STE 300 PORTLAND, OR 97221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $592 | — | $592 | 11.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $181 | — | $181 | 3.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $623 | — | $623 | 12.69% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INS BROKERAGE INC | 4 PUNCHARD AVE STE 300 ANDOVER, MA 01810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $642 | — | $642 | 14.48% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD ADAMS COMPANY INC | 5201 SW WESTGATE DR STE 300 PORTLAND, OR 97221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $587 | — | $587 | 15.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $192 | — | $192 | 4.93% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $1.3M |
| Vision | VISION SERVICE PLAN | 68 | $6K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $35K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $23K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $22K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.