| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 2.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $192 | $12K | 15.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $140 | $8K | 15.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $88 | $4K | 15.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $990 | $14 | $1K | 15.21% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 2.56% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 1.56% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.89% |
| FREDERICK D LEIGH3 Filed as: FREDERICK D. LEIGH | 29 RAMBLIN BROOK ROAD SEEKONK, MA 02771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.31% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.24% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 46.97% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 3.12% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 1.96% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.73% |
| FREDERICK D LEIGH3 Filed as: FREDERICK D. LEIGH | 29 RAMBLIN BROOK ROAD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.55% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.49% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.24% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 26 HOURIHAN STREET SUITE 2 PEABODY, MA 01960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.18% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.3M |
| Vision | VISION SERVICE PLAN | 102 | $15K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $76K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.