| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $11K | — | $11K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $8K | — | $8K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $6K | — | $6K | 12.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| THOMAS HETZEL | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $237 | — | $237 | 2.77% |
| PERRYVILLE MARKETING ASSOCIATES LLC Filed as: PERRYVILLE MARKETING ASSOC. LLC | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $217 | — | $217 | 2.54% |
| MICHAEL S OBERLANDER Filed as: MICHAEL OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $72 | — | $72 | 0.84% |
| CHRISTINE GORDON | 123 CARRINGTON LANE UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $31 | — | $31 | 0.36% |
| DB INSURANCE INC | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $12 | $14 | $26 | 0.30% |
| FREDERICK D LEIGH | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $21 | — | $21 | 0.25% |
| DAVID L FLEURY Filed as: DAVID FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $20 | — | $20 | 0.23% |
| DAVID L FLEURY Filed as: DAVID FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $11 | — | $11 | 0.13% |
| THOMAS HETZEL | 45 PARTRIDGE WAY N. EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $417 | $9 | $426 | 11.40% |
| PERRYVILLE MARKETING ASSOCIATES LLC Filed as: PERRYVILLE MARKETING ASSOC. LLC | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $136 | — | $136 | 3.64% |
| CHRISTINE GORDON | 123 CARRINGTON LANE UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $72 | $2 | $74 | 1.98% |
| DUSTIN ARNOLD | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $36 | $54 | 1.45% |
| MICHAEL S OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $33 | — | $33 | 0.88% |
| FREDERICK D LEIGH | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $16 | — | $16 | 0.43% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 183 | $24K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 271 | $59K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 271 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 271 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.