| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $100K | $100K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44K | $44K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $40K | $40K | 2.21% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108K | — | $108K | 19.71% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $91K | $91K | 16.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $44K | $3K | $46K | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $4K | $5K | $9K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.01% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $41K | $46K | 10.98% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 6.17% |
| BRANDIES, DAVID, A3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 5.93% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $28K | $28K | 9.68% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $0 | $23K | 7.87% |
| BRANDIES, DAVID, A3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $0 | $22K | 7.76% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 19.92% |
| TOTAL PACKAGE PARTNERS INC3 Filed as: TOTAL PACKAGE PARTNERS | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10K | $10K | 15.31% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 19.62% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 14.09% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 9.70% |
| BRANDIES, DAVID, A3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.39% |
| DESKA, MARIANNE, P3 Filed as: DESKA,MARIANNE, P | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.25% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 18.87% |
| TOTAL PACKAGE PARTNERS INC3 Filed as: TOTAL PACKAGE PARTNERS | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $4K | $4K | 13.56% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 19.71% |
| TOTAL PACKAGE PARTNERS INC3 | 600 W. GERMANTOWN PIKE STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $4K | $4K | 16.59% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $2K | $2K | 9.78% |
| BRANDIES, DAVID, A3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 7.39% |
| DESKA, MARIANNE, P3 | 600 W GERMANTOWN PIKE STE 400 PLYMOUTH, PA 19462 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $570 | $629 | 8.72% |
| BRANDIES, DAVID, A3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $516 | — | $516 | 7.15% |
| DESKA, MARIANNE, P3 | STE 400 600 W GERMANTOWN PIKE PLYMOUTH, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 2.74% |
| DESKA, MARIANNE, P3 | 600 W. GERMANTOWN PIKE STE 400 PLYMOUTH MEETING, PA 19462 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 17.15% |
| TOTAL PACKAGE PARTNERS INC3 | 980 WHEELER WAY STE 493 LANGHORNE, PA 19047 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $99 | $99 | 9.59% |
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 | 13,791 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $544K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 27,204 | $1.7M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 13,894 | $2.7M |
| Long-term disability(13 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 13,698 | $8.2M |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 9,191 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,204 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.