| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $187K | $187K | 1.98% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL ST. 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $67K | $67K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $11K | $0 | $11K | 0.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | $136K | $0 | $136K | 15.00% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST. 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 20.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30K | $30K | — |
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 | 17,988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 116 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 18,383 | $25K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | VISION SERVICE PLAN | 11,276 | $1.8M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 18,341 | $7.8M |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 14,967 | $3.6M |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 17,306 | $12.9M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 18,383 | $930K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,383 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.