| 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 AND LIFE INSURANCE COMPANY | $14K | $121K | $135K | 5.24% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.22% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY ROOM 410 NEW YORK, NY 100180973 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$230 | — | -$230 | -0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 5.99% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.49% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.69% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | THE PAUL REVERE LIFE INSURANCE COMPANY | $700 | $25 | $725 | 1.14% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $699 | — | $699 | 1.10% |
| THOMAS BENEFITS INC3 Filed as: THOMAS BENEFITS INC. | 14 CHANDLER STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $199 | — | $199 | 0.31% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | THE PAUL REVERE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| LAWRNECE S. AXELROD3 | 100 ALLENS CREEK ROAD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.69% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | THE PAUL REVERE LIFE INSURANCE COMPANY | $407 | $6 | $413 | 1.17% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $293 | — | $293 | 0.83% |
| THOMAS BENEFITS INC3 Filed as: THOMAS BENEFITS INC. | 14 CHANDLER STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.33% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.17% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $384 | $1K | 6.03% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.06% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $429 | $1 | $430 | 2.08% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $3 | $194 | 0.94% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, ME 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $5 | $182 | 0.88% |
| ALDEN D MCGEE3 Filed as: ALDEN D. MCGEE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $27 | $101 | 0.49% |
| MULLANY ENTERPRISES LLC3 | 5501TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $10 | $43 | 0.21% |
| THOMAS BENEFITS INC3 Filed as: THOMAS BENEFITS INC. | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE INSURANCE LIFE INSURANCE COMPANY | $2K | $14 | $2K | 10.08% |
| CHRISTOPHER MANZI3 | 400 COLONIAL DRIVE IPSWICH, MA 01938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $319 | $1K | 7.55% |
| JN SAVASTA CORP3 Filed as: J N SAVASTA CORP. | 1350 BROADWAY NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | — | $484 | 3.50% |
| GIANNI RICHIO3 | 18 RICKER CIRCLE SOUTH HAMILTON, MA 01982 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | $3 | $143 | 1.03% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $2 | $138 | 1.00% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 0.61% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.11% |
| THOMAS BENEFITS INC3 Filed as: THOMAS BENEFITS INC. | 14 CHANDLER STREET SALEM, MA 01970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| CHARLOTTE MARTINEZ3 Filed as: CHARLOTTE ANNE MARTINEZ | 70100 MIRAGE COVE DRIVE RANCHO MIRAGE, CA 92270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $982 | $9 | $991 | 10.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $626 | $64 | $690 | 19.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | $61 | $448 | 14.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $443 | $58 | $501 | 19.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 100180973 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $139 | $1 | $140 | 10.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EMBLEMHEALTH | $7K | — | $7K | — |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $182K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $182K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 498 | $199K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 49 | $10K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $2.6M |
| Other(8 contracts, 4 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 78 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.