| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPEHERE CIR CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $45K | $47K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $38K | $40K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.42% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-MORRISTOWN | 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $615 | $72 | $687 | 2.48% |
| DOUGLAS MATTHEW JAMES3 | 2 BIRCH CT UPPER SADDLE RIVER, NJ 07458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $0 | $409 | 1.47% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE,16TH FL DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.33% |
| INNOBENEFITS LLC3 | 99 WOOD AVE S STE 501 ISLIN, NJ 08830 | COMPANION LIFE INSURANCE COMPANY | $787 | $0 | $787 | 3.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE,16TH FL DALLAS, TX 75231 | COMPANION LIFE INSURANCE COMPANY | $696 | $0 | $696 | 3.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $608 | $0 | $608 | 5.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 13155 NOEL RD, STE 1400 DALLAS, TX 75240 | VISION SERVICE PLAN | $81 | $0 | $81 | 0.72% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $10 | $0 | $10 | 0.09% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $523 | $0 | $523 | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, STE 1600 DALLAS, TX 75231 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $342 | $46 | $388 | 6.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $151 | $13 | $164 | 2.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-MORRISTOWN | 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $73 | $13 | $86 | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-MORRISTOWN | 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $382 | $79 | $461 | 8.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LN, STE 1600 DALLAS, TX 75231 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $59 | $16 | $75 | 1.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 23.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MUTUAL OF OMAHA INSURANCE COMPANY | $171 | $0 | $171 | 5.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BLVD, SUITE 2400 HOUSTON, TX 77042 | MUTUAL OF OMAHA INSURANCE COMPANY | $131 | $0 | $131 | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 13155 NOEL RD, STE 1400 DALLAS, TX 75240 | VISION SERVICE PLAN | $171 | $0 | $171 | 8.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS- MOR | 445 S STREET MORRISTOWN, NJ 07960 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $158 | $30 | $188 | 10.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, STE 1600 DALLAS, TX 75231 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $25 | $5 | $30 | 1.66% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | $0 | $9 | 3.59% |
| DOUGLAS MATTHEW JAMES3 | 2 BIRCH CT UPPER SADDLE RIVER, NJ 07458 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.59% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.7M |
| Vision(2 contracts) | VISION SERVICE PLAN | 79 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $118K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 74 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $90K |
| Other(7 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.