| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $148K | $153K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 6.33% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG & RIPPLE, INC. | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $541 | $2K | 9.00% |
| LRI, LLC DBA LINDBERG AND RIPPLE3 | 29 SOUTH MAIN STREET SUITE 311 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 6.48% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $223 | $223 | 1.26% |
| MICHAEL I SILVERBERG, LLC3 | 176 WESTBROOK ROAD PO BOX 999 ESSEX, CT 06426 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.51% |
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 | 410 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $7.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $7.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $152K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 12 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $152K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $7.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
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.