| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $139K | $1K | $140K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS, 23RD F NEW YORK, NY 10036 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $71K | — | $71K | 0.50% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | DELTA DENTAL OF NJ, INC | $18K | — | $18K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NJ, INC | $10K | — | $10K | 1.03% |
| PAMELA ROWSEY LARSON3 Filed as: PAMELA LARSON | 801 LAUDERDALE DR LEXINGTON, KY 40515 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 10.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 6.76% |
| MARK C LAMAR3 Filed as: MARK LAMAR | 1006 APPLE BLOSSOM DR FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.48% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 333 E SHORT ST, STE 130 LEXINGTON, KY 40507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.04% |
| THOMAS KINNEY3 | 8 RIVERSEDGE DR SALEM, NH 03079 | CONTINENTAL AMERICAN INSURANCE COMPANY | $717 | — | $717 | 0.54% |
| LISA ENERSON3 | 411 GROVE ST HUDSON, MI 49247 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 0.48% |
| JONATHAN BURGESS3 | 31 NATHAN CUTLER DR BEDFORD, NH 03110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.09% |
| CATHERINE GOHL3 | 5050 MURPHY CANYON, RD 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.07% |
| CHERYL O'BRIEN3 Filed as: CHERYL WILLIAMS | 1636 50TH ST SAN DIEGO, CA 92102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.06% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $430 | — | $430 | 1.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $210 | — | $210 | 0.94% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $379 | — | $379 | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $185 | — | $185 | 0.98% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $309 | — | $309 | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $151 | — | $151 | 0.94% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $208 | — | $208 | 1.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $102 | — | $102 | 0.88% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $168 | — | $168 | 2.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $82 | — | $82 | 1.04% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $109 | — | $109 | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $53 | — | $53 | 0.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $934 | — | $934 | 24.99% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 2.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17 | — | $17 | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $25 | — | $25 | 2.33% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $20 | — | $20 | 1.86% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK BENEFITS, INC. | 183 ROCKINGHAM ROAD, 2 EAST WINDHAM, NH 03087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9 | — | $9 | 1.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH EQUITY PROVIDER | Contract Administrator Service code 13 | 15 W. SCENIC POINTE DRIVE, STE. 100 DRAPER, UT 84020 | $10K |
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 | 1,212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 2,634 | $14.0M |
| Dental | DELTA DENTAL OF NJ, INC | 2,430 | $980K |
| Vision(9 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 473 | $88K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 291 | $134K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,212 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,634 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.