| 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 | $114K | — | $114K | 2.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $10K | — | $10K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.88% |
| VILIAM CHOMA4 | 1743 CREEK VIEW DR FOGELSVILLE, PA 18051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $722 | — | $722 | 13.91% |
| GREGORY GARCIA4 | 6836 LINCOLN DR MACUNGIE, PA 18062 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $264 | — | $264 | 5.08% |
| BRYAN HOOVER4 | 3916 GREEN ST HARRISBURG, PA 17110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $53 | — | $53 | 1.02% |
| LISA M TAYLOR4 Filed as: LISA M. TAYLOR | 394 WHITETAIL WAY DEERFIELD, WI 53531 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | — | $21 | 0.40% |
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 | 203 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 220 | $4.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 578 | $239K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 220 | $4.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $94K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 220 | $4.2M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.