| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $77K | $219 | $77K | 19.04% |
| HARRIS A KIVITZ3 | 253 STONEWAY LANE MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 16.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $7K | $3K | $10K | 6.92% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW RD MEDIA, PA 19063 | UNION SECURITY INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 16.77% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 11.50% |
| HOWARD LAMPLUGH3 Filed as: HOWARD LAMPLUGH III | 230 BISHOP HOLLOW ROAD MEDIA, PA 19063 | MADISON NATIONAL LIFE INSURANCE COMPANY | $993 | — | $993 | 10.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 423 | $405K |
| Dental | AETNA LIFE INSURANCE CO. | 366 | $141K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 290 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 253 | $108K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 37 | $10K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 102 | $111K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 423 | $405K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.