| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECTPATH, LLC3 | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158K | $21K | $179K | 23.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151K | — | $151K | 19.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | MARSH AT WORK SOLUTIONS POBOX 10414 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$99K | -$9K | -$107K | -13.92% |
| DIRECTPATH, LLC3 | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $163K | $20K | $183K | 62.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | ADMINISTRATION LLC, PO BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | — | $54K | 18.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $870 | — | $870 | 20.00% |
| DIRECTPATH, LLC3 | 120 18TH ST S, STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 56.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | ADMINISTRATION LLC, PO BOX 310502 DES MOINES, IA 50331 | FIRST UNUM LIFE INSURANCE COMPANY | $596 | — | $596 | 18.75% |
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 | 4,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,686 | $1.5M |
| Dental | DELTA DENTAL OF NEW YORK | 8,412 | $2.5M |
| Vision | HM LIFE INSURANCE COMPANY | 8,686 | $424K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,908 | $3.9M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 4,726 | $3.9M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 4,726 | $3.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 4,783 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,686 | — |
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.