| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL BENEFIT ADVISORS | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $237K | $0 | $237K | 4.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $4K | $13K | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 2.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $410 | $3K | 9.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $210 | $3K | 7.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $257 | $2K | 17.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $226 | $2K | 17.50% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 621 | $5.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 745 | $309K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 745 | $309K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 268 | $361K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 268 | $326K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 268 | $326K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 621 | $5.9M |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 268 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
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.