| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 MERRITT 7 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 3.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & KNAPP GROUP BENEFITS LLC | 531 MAIN STREET BRANFORD, CT 06405 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.33% |
| GEORGE M SPINO3 Filed as: GEORGE SPINO | 2401 CONGRESS STREET SUITE 3 PORTLAND, ME 04102 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.47% |
| JAMES DAVIS3 | 2401 CONGRESS STREET SUITE 3 PORTLAND, ME 04102 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| SPINO GEORGE3 | 2401 CONGRESS STREET SUITE 3 PORTLAND, ME 04102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.07% |
| DAVIS JAMES3 | 2401 CONGRESS STREET SUITE 3 PORTLAND, ME 04102 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 3.36% |
| GEORGE M SPINO3 | 2401 CONGRESS STREET SUITE 3 PORTLAND, ME 04102 | METROPOLITAN LIFE INSURANCE COMPANY | $423 | $0 | $423 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $746 | $0 | $746 | 9.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $533 | $0 | $533 | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCES CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $92 | $92 | 2.59% |
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 | 152 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $918K |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 79 | $61K |
| Vision | EYEMED VISION CARE | 130 | $8K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $156K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $152K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $152K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 170 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.