| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $79K | — | $79K | 2.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $9K | — | $9K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 14.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 15.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $322 | $4K | 14.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $505 | $15 | $520 | 3.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $151 | $2K | 16.25% |
| GREGORY GARCIA4 | 6836 LINCOLN DR MACUNGIE, PA 18062 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $542 | — | $542 | 6.66% |
| VILIAM CHOMA4 | 1716 ROSEWOOD CT OREFIELD, PA 18069 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $540 | — | $540 | 6.64% |
| CHRISTOPHER K. KOSTAS4 | 1409 AVENDALE GARLAND, TX 75040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $32 | — | $32 | 0.39% |
| LISA M TAYLOR4 Filed as: LISA M. TAYLOR | 394 WHITETAIL WAY DEERFIELD, WI 53531 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 0.23% |
| BRETTI FAMILY HOLDINGS, LLC4 | 3694 VALLEY PARK WAY LAKE WORTH, FL 33467 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $6 | — | $6 | 0.07% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 200 | $2.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 238 | $215K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 200 | $2.9M |
| Life insurance(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 219 | $143K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 213 | $26K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 219 | $114K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 200 | $2.9M |
| Other(6 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 240 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.