| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $105K | $105K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $72K | $72K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $5K | $5K | 1.37% |
| BAB CONSULTANTS INC. Filed as: BAB CONSULTANTS INC | STE N148 3033 CAMPUS DR MINNEAPOLIS, MN 55441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $275 | — | $275 | 4.50% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATIONS GROUP | SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | $10 | $71 | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $36 | $36 | 1.25% |
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 | 11,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 642 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $425K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MINNESOTA | 2,304 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,382 | $8.2M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,051 | $399K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,023 | $5.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14,382 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,023 | — |
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."
No prospect flags tripped on this filing.