| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.11% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.54% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| THOMAS C SMITH3 Filed as: THOMAS C. SMITH | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.31% |
| NEW BENEFITS3 Filed as: NEW BENEFITS LTD | PO BOX 803475 DALLAS, TX 75380 | TRANSAMERICA LIFE INSURANCE COMPANY | $714 | — | $714 | 1.93% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.94% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.00% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $445 | — | $445 | 2.84% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| DOUGLAS JAMES3 | 2 BIRCH COURT UPPER SADDLE RIVER, NJ 07458 | VISION SERVICE PLAN | $837 | — | $837 | 100.00% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 327 | $3.3M |
| Dental | AETNA LIFE INSURANCE CO. | 327 | $3.2M |
| Vision | VISION SERVICE PLAN | 104 | $837 |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $34K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.