| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEWIS, CRAIG MICHAEL3 | 76 HOLLY LANE PILESGROVE, NJ 08098 | HIGHMARK INC | $94K | $0 | $94K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 333 S SEVENTH STREET, #1400 MINNEAPOLIS, MN 55402 | HIGHMARK INC | $76K | $0 | $76K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF PENNSYLVANIA | $14K | $0 | $14K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $3K | $48K | 15.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $2K | $44K | 15.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $1K | $21K | 15.82% |
| VILIAM CHOMA4 | 1743 CREEK VIEW DRIVE FOGELSVILLE, PA 18051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $498 | $0 | $498 | 9.99% |
| GREGORY GARCIA4 | 3992 STECASSO COURT WHITEHALL, PA 18052 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $272 | $0 | $272 | 5.46% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | $0 | $38 | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 1.96% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 692 | $5.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 716 | $355K |
| Vision | HIGHMARK INC | 692 | $5.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $278K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $303K |
| Prescription drug | HIGHMARK INC | 692 | $5.6M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.