| 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 | $220K | $220K | 1.37% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL ST. 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $112K | $112K | 1.95% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $74K | $74K | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $13K | $0 | $13K | 0.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $245K | $0 | $245K | 17.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW YORK | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $28K | $0 | $28K | 2.01% |
| 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 | $137K | $0 | $137K | 15.00% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST. 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 2.16% |
| JAMES P. ROCHE3 Filed as: JAMES M ANDREW | 161 WORCESTER RD SUITE 408 FRAMINGHAM, MA 01701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $0 | $4K | 5.89% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 1.51% |
| MCNEILL & MCNEILL INSURANCE INC3 | PO BOX 8 GLOUCESTER, MA 01931 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $788 | $0 | $788 | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP | 40 WALL ST SUITE 1304 NEW YORK, NY 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $363 | $0 | $363 | 0.48% |
| CIRCLE BENEFIT PLANNING CORP.3 Filed as: CIRCLE BENEFIT PLANNING CORP | 420 LEXINGTON AVENUE STE 1727 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $361 | $0 | $361 | 0.48% |
| GARY N BAURER3 | 10 WATERSIDE PLZ APT 19F NEW YORK, NY 10010 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $170 | $0 | $170 | 0.23% |
| MYRA M. KING3 Filed as: MYRA M KING | 320 W 14TH ST APT 3B NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $109 | $0 | $109 | 0.14% |
| INVESTMENT MARKETING RESOURCES LP3 | 1800 W LOOP S STE 1980 HOUSTON, TX 77027 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | 20.51% |
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 | 20,549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 199 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 20,630 | $45K |
| Vision | VISION SERVICE PLAN | 13,703 | $2.2M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 21,582 | $9.5M |
| Short-term disability(6 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 10,170 | $11.2M |
| Long-term disability(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 27,125 | $23.2M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 20,630 | $958K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,125 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.