| 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 | — | $74K | $74K | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62K | $62K | 1.23% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177K | — | $177K | 29.32% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $28K | $28K | 4.61% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $128K | — | $128K | 26.00% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $23K | $23K | 4.61% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $131K | — | $131K | 32.32% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19K | $19K | 4.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $5K | $5K | 1.26% |
| 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 | $53K | $11K | $63K | 18.27% |
| 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 | — | $22K | $22K | 6.25% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $9K | $9K | 2.62% |
| 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 | $16K | $3K | $19K | 24.00% |
| 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 | — | $11K | $11K | 13.89% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $649 | $649 | 0.83% |
| 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 | $13K | $2K | $15K | 22.62% |
| 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 | — | $9K | $9K | 13.57% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $550 | $550 | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | — | $865 | $865 | 1.37% |
| 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 | $11K | $2K | $13K | 22.66% |
| 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 | — | $6K | $6K | 10.32% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $821 | $821 | 1.40% |
| 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 | $2K | $263 | $2K | 15.81% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $70 | $70 | 0.53% |
| 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 | $340 | $58 | $398 | 4.78% |
| BAB CONSULTANTS INC.3 Filed as: BAB CONSULTANTS INC | STE 189 WAYZATA, MN 55391 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 1.24% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $46 | $46 | 0.55% |
| 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 | $258 | $33 | $291 | 5.06% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26 | $26 | 0.45% |
| 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 | $743 | $128 | $871 | 17.76% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $116 | $116 | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 1.22% |
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 | 9,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 413 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 64 | $868K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 1,857 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,682 | $5.9M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 781 | $398K |
| Long-term disability(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,179 | $5.6M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,682 | $7.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,179 | — |
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.