| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | $10K | $62K | 17.88% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 521 FIFTH AVENUE 15TH FL NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $13K | $18K | 7.38% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 521 FIFTH AVENUE 15TH FL NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $7K | $14K | 10.40% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 521 FIFTH AVENUE 15TH FL NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | HARTFORD LIFE AND ACCIDENT | $55K | — | $55K | 51.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.98% |
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 18.57% |
| JOHN V NAJARIAN3 | 3917 WOODLAKE DRIVE BONITA SPRINGS, FL 34134 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.87% |
| THE BAKER BENEFIT GROUP3 Filed as: THE BAKER BENEFIT GROUP LLC | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE COMPANY | $772 | — | $772 | 1.59% |
| ANNE GOODMAN MITCHELL3 | 4 MILK ST FLR 2 PORTLAND, ME 04101 | STANDARD INSURANCE COMPANY | $640 | — | $640 | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $637 | $3K | 19.37% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 521 FIFTH AVENUE 15TH FL NEW YORK, NY 10175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $730 | $730 | 5.00% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 189 | $107K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $24K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,060 | $48K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 665 | $593K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 381 | $182K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 665 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.