| 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 | — | $80K | $80K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $56K | $56K | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56K | $13K | $69K | 21.88% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $40K | $40K | 12.57% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $9K | $9K | 2.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $17K | $17K | 12.48% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | $2K | $13K | 9.62% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13K | $13K | 13.06% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 8.29% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 15.36% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 7.48% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $833 | $833 | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $895 | $1K | $2K | 11.71% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $110 | $110 | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $473 | $821 | 10.69% |
| BAB CONSULTANTS INC.3 Filed as: BAB CONSULTANTS INC | STE 189 1161 WAYZATA BLVD EAST WAYZATA, MN 55391 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 1.24% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $54 | $54 | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $328 | $572 | 10.77% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC STE 1304 40 WALL ST NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | $99 | $609 | 19.38% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $159 | $159 | 5.06% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $71 | $71 | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $33 | $33 | 1.37% |
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 | 11,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 455 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,788 | 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 | 50 | $454K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MINNESOTA | 2,198 | $2.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,987 | $5.9M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 872 | $240K |
| Long-term disability(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,584 | $4.7M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,987 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,584 | — |
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.