| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $159K | $159K | 1.68% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $125K | $148K | 2.29% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $51K | $116K | 4.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $14K | $0 | $14K | 0.58% |
| 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 | $331K | $0 | $331K | 17.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW YORK | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | $0 | $10K | 0.50% |
| 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 | $144K | $0 | $144K | 15.00% |
| JAMES P. ROCHE3 Filed as: JAMES M. ANDREW | 161 WORCESTER ROAD SUITE 408 FRAMINGHAM, MA 01701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 5.11% |
| MCNEILL & MCNEILL INSURANCE INC3 | 30 WESTERN AVE. PO BOX 8 GLOUCESTER, MA 01931 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $718 | $0 | $718 | 1.09% |
| CIRCLE BENEFIT PLANNING CORP.3 | 420 LEXINGTON AVENUE SUITE 1727 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $404 | $0 | $404 | 0.61% |
| MGMT COMPENSATION GROUP SE LLC DBA3 Filed as: MGMT COMPENSATION GRP/SOUTHEAST INC | 40 WALL STREET SUITE 1304 NEW YORK, FL 10005 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $363 | $0 | $363 | 0.55% |
| MYRA M. KING3 | 320 WEST 14TH STREET APT. 3B NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $109 | $0 | $109 | 0.16% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE, INC. | 161 WORCESTER ROAD SUITE 308 FRAMINGHAM, MA 01701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $70 | $0 | $70 | 0.11% |
| INVESTMENT MARKETING RESOURCES LP3 | 1800 WEST LOOP SOUTH SUITE 1980 HOUSTON, TX 77027 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| 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, PA | $8K | $0 | $8K | 20.00% |
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 | 21,754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 14,458 | $2.4M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 21,720 | $11.2M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,524 | $11.2M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,142 | $11.4M |
| Other(2 contracts) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 22,490 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,142 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.