| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $73K | $73K | 1.34% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $58K | $77K | 17.32% |
| BRANDIES, DAVID, A3 Filed as: BRANDIES, DAVID A | 600 W. GERMANTOWN TRNPK STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56K | — | $56K | 12.66% |
| BRANDIES, DAVID, A3 Filed as: BRANDIES, DAVID A | 600 W. GERMANTOWN TRNPK STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60K | — | $60K | 19.59% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $37K | $37K | 12.06% |
| BRANDIES, DAVID, A3 Filed as: BRANDIES, DAVID A | 600 W. GERMANTOWN TRNPK STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 18.44% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 13.23% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $3K | $3K | 19.76% |
| BRANDIES, DAVID, A3 Filed as: BRANDIES, DAVID A | 600 W. GERMANTOWN TRNPK STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 18.68% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $715 | $506 | $1K | 15.40% |
| BRANDIES, DAVID, A3 Filed as: BRANDIES, DAVID A | 600 W. GERMANTOWN TRNPK STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $579 | — | $579 | 7.31% |
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 | 12,348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 236 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,044 | $15K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 30,562 | $1.2M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 12,648 | $2.0M |
| Long-term disability(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 12,363 | $6.2M |
| Other | SECURIAN LIFE INSURANCE COMPANY | 9,343 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,562 | — |
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.