| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | SECURIAN LIFE INSURANCE COMPANY | $351K | $23K | $374K | 3.16% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $119K | $119K | 1.25% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $75K | $93K | 1.52% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP, LLC | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $34K | $91K | 3.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $14K | $0 | $14K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BEN ADMIN (BOSTON) | GPO BOX 27447 CORPORATE LOCKBOX NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $291K | $291K | 15.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BEN ADMIN LLC NY | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $24K | $24K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW YORK | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | $0 | $9K | 0.47% |
| 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 | $110K | $0 | $110K | 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 | 4.77% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON ST C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 1.60% |
| MCNEILL & MCNEILL INSURANCE INC3 | 1 KENDALLS ML WOBURN, MA 01801 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $853 | $853 | 1.30% |
| CIRCLE BENEFIT PLANNING CORP.3 | 420 LEXINGTON AVENUE SUITE 1727 NEW YORK, NY 10170 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $437 | $0 | $437 | 0.67% |
| 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% |
| MODERN AMERICA CNA INSURANCE3 | 100 CNA DRIVE ATTN ANITA GOODCASE NASHVILLE, TN 37214 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $296 | $0 | $296 | 0.45% |
| LAWRENCE B. KELLER3 | 225 BROADHOLLOW RD STE 115 MELVILLE, NY 11747 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $251 | $0 | $251 | 0.38% |
| MGMT COMPENSATION GRP/NORTHEAST INC3 | 55 BROADWAY SUITE 701 NEW YORK, NY 10006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $182 | $182 | 0.28% |
| GARY N BAURER3 | 10 WATERSIDE PLAZA APT. 19F NEW YORK, NY 10010 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $156 | $0 | $156 | 0.24% |
| MYRA M. KING3 | 320 WEST 14TH STREET APT. 3B NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $109 | $0 | $109 | 0.17% |
| MGFS INSURANCE BROKERAGE INC3 Filed as: MGFS INSURANCE BROKERAGE, INC. | 161 WORCESTER ROAD SUITE 308 FRAMINGHAM, MA 01701 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $79 | $0 | $79 | 0.12% |
| 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 | 22,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 158 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,030 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 15,240 | $2.5M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 24,190 | $11.8M |
| Short-term disability(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 20,812 | $10.9M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 24,222 | $11.5M |
| Other(2 contracts) | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | 23,579 | $771K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,222 | — |
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.