| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | GUARDIAN | $63K | $16K | $78K | 9.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $35K | — | $35K | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL | $16K | — | $16K | 2.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL | $11K | — | $11K | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $243 | $2K | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 | ATTN COMMISSIONS 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | — |
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 | 3,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 3,386 | $796K |
| Vision | VISION BENEFITS OF AMERICA | 1,914 | $119K |
| Life insurance | GUARDIAN | 3,970 | $840K |
| Short-term disability | GUARDIAN | 3,970 | $840K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 3,970 | $886K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 3,970 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,970 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.