| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $68K | — | $68K | 3.77% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $754 | $754 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $106K | $13K | $119K | 9.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 11.12% |
| WILLIAM H DODD3 | ONE LANDMARK SQUARE 8TH FLOOR STAMFORD, CT 06901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | $51 | $97 | 0.05% |
| PETER H DODD3 | ONE LANDMARK SQUARE 8TH FLOOR STAMFORD, CT 06901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46 | $51 | $97 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 6.24% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE INSURANCE COMPANY | $8K | — | $8K | 6.20% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $5K | $501 | $5K | 12.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $824 | — | $824 | 3.67% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $75 | — | $75 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 59.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | — | $7K | 58.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | — | $7K | 59.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 16.44% |
| DODD CONSULTING, LLC3 | ONE LANDMARK SQUARE 8TH FLOOR STAMFORD, CT 069012603 | GERBER LIFE INSURANCE COMPANY | $427 | — | $427 | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 58.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $177 | — | $177 | 3.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $16 | — | $16 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $379 | $47 | $426 | 11.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $843 | — | $843 | 59.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $586 | — | $586 | 59.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $143 | — | $143 | 57.66% |
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 | 1,443 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 1,773 | $154K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,947 | $1.8M |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,187 | $1.4M |
| Long-term disability(9 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,187 | $1.3M |
| Other(7 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,947 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,947 | — |
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.