| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $198K | $0 | $198K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 2.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 4.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $431 | $4K | 9.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $220 | $3K | 7.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $466 | $0 | $466 | 4.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $130 | $0 | $130 | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $107 | $0 | $107 | 3.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $30 | $0 | $30 | 1.05% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 597 | $5.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $295K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 695 | $295K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 253 | $349K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 253 | $310K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 253 | $310K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 597 | $5.0M |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 253 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
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.