| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $40K | $10K | $50K | 5.25% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $4K | $12K | 1.30% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $90 | $13 | $103 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 100 WEST MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $47K | $5K | $52K | 12.57% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $2K | $12K | 2.95% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $6 | $6 | $12 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 100 WEST MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 100 WEST MATSONFORD ROAD, SUITE 100 RADNOR, PA 19087 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $139 | $1K | 8.96% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $281 | $56 | $337 | 2.41% |
| RANDALL WARREN PECK3 Filed as: RANDALL W. PECK | 7100 CAMINO REAL, SUITE 403 BOCA RATON, FL 33433 | FIRST UNUM LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | 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 | 41 | $684K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 41 | $542K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $694K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 545 | $411K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 117 | $14K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 842 | $955K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 15 | $142K |
| Other(3 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 3,790 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,790 | — |
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.