| 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 | — | $72K | $72K | 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 | — | $60K | $60K | 1.36% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | — | $80K | 14.33% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $30K | $30K | 5.42% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 12.00% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24K | $24K | 5.43% |
| CUSTOM BENEFITS PROGRAMS3 | 897 12TH ST HAMMONTON, NJ 08037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | — | $69K | 17.08% |
| ALIGHT SOLUTIONS5 | PO BOX 95135 CHICAGO, IL 606945135 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $22K | $22K | 5.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 1.37% |
| 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 | $47K | $9K | $56K | 18.26% |
| 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 | — | $42K | $42K | 13.75% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $7K | $7K | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | — | $773 | $773 | 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 | $5K | $820 | $5K | 10.19% |
| 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 | 6.28% |
| 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 | 4.80% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $676 | $676 | 1.26% |
| 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 | $3K | $372 | $3K | 6.69% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION | GROUP/NORTHEAST INC 55 BROADWAY SUITE 701 NEW YORK, MN 10006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3K | $3K | 6.47% |
| 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 | 6.20% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $299 | $299 | 0.60% |
| 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 | — | $4K | $4K | 8.85% |
| 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 | $3K | $224 | $3K | 6.40% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $170 | $170 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | — | $283 | $283 | 2.50% |
| 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 | $275 | $22 | $297 | 3.34% |
| 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 | $83 | — | $83 | 0.93% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $17 | $17 | 0.19% |
| 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 | $157 | $4 | $161 | 2.29% |
| BAB CONSULTANTS INC.3 Filed as: BAB CONSULTANTS INC | STE 189 WAYZATA, MN 55391 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 1.24% |
| 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 | $22 | — | $22 | 0.31% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.04% |
| 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 | $157 | $2 | $159 | 3.27% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2 | $2 | 0.04% |
| 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 | $571 | $93 | $664 | 17.79% |
| 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 | — | $241 | $241 | 6.46% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $74 | $74 | 1.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - BOS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $30 | $30 | 1.35% |
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 | 9,327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 59 | $845K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MINNESOTA | 1,737 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,051 | $5.3M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 747 | $323K |
| Long-term disability(9 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,993 | $4.9M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,051 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,051 | — |
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.