| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $77K | $77K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $53K | $53K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $5K | $5K | 1.15% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $56K | $12K | $68K | 19.70% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $32K | $32K | 9.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $10K | $10K | 2.95% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $198K | — | $198K | 65.00% |
| ALIGHT SOLUTIONS5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 5.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $135K | — | $135K | 55.00% |
| ALIGHT SOLUTIONS5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 5.00% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127K | — | $127K | 65.00% |
| ALIGHT SOLUTIONS5 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $8K | $1K | $9K | 8.68% |
| 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 | — | $7K | $7K | 6.19% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $1K | $1K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $847 | $6K | 7.25% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 6.08% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $752 | $752 | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | — | $2K | $2K | 2.30% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 10.86% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 6.30% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $734 | $734 | 1.36% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $654 | $97 | $751 | 5.39% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $78 | $78 | 0.56% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $68 | $416 | 5.42% |
| BAB CONSULTANTS INC.3 Filed as: BAB CONSULTANTS INC | STE 189 WAYZATA, MN 55391 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 1.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $54 | $54 | 0.70% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $244 | $33 | $277 | 5.22% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26 | $26 | 0.49% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/SOUTHEAST INC 40 WALL ST STE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $735 | $149 | $884 | 20.05% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $465 | $465 | 10.54% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $118 | $118 | 2.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 1.16% |
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 | 10,378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 423 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,801 | 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 | 44 | $292K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF MINNESOTA | 2,030 | $2.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,977 | $6.6M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 882 | $442K |
| Long-term disability(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,507 | $5.2M |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,977 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,507 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.