| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH & INSURANCE CO | — | $518 | $518 | 0.08% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $4K | — | $4K | 2.40% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE CO | $3K | — | $3K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $1K | — | $1K | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $4K | — | $4K | 2.73% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS CO NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $4K | — | $4K | 2.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | — | $4K | $4K | 2.75% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS CO NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $3K | — | $3K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $2K | — | $2K | 2.06% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $10K | — | $10K | 13.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE CO | $3K | — | $3K | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $1K | — | $1K | 1.54% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $18K | — | $18K | 28.93% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE CO | $11K | — | $11K | 18.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $5K | — | $5K | 7.82% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEE BENEFITS NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $624 | — | $624 | 2.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $299 | — | $299 | 1.19% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE CO | $200 | — | $200 | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE CO | $150 | — | $150 | 2.55% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | NATIONAL EMPLOYEES BENEFITS CO NORTH KINGSTOWN, RI 02852 | RELIASTAR LIFE INSURANCE CO | $145 | — | $145 | 2.46% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST NEW YORK, NY 10281 | HARTFORD LIFE & ACCIDENT | $255 | — | $255 | 25.05% |
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 | 2,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE CO | 2,097 | $1.3M |
| Dental | CIGNA HEALTH & INSURANCE CO | 2,099 | $634K |
| Vision | VISION SERVICE PLAN | 1,028 | $132K |
| Life insurance | RELIASTAR LIFE INSURANCE CO | 2,272 | $159K |
| Short-term disability | RELIASTAR LIFE INSURANCE CO | 502 | $165K |
| Long-term disability | RELIASTAR LIFE INSURANCE CO | 454 | $116K |
| Other(5 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE CO | 1,942 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,272 | — |
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.