| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $100K | — | $100K | 1.20% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $18K | — | $18K | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | WASHINGTON SQUARE 1050 CONNECTICUT AVE WASHINGTON, DC 20036 | DELTA DENTAL OF MASSACHUSETTS, INC. | $8K | — | $8K | 1.75% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | DELTA DENTAL OF MASSACHUSETTS, INC. | $4K | — | $4K | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO. OF AMERICA | $11K | $5K | $16K | 8.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO. OF AMERICA | $13K | $2K | $15K | 17.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 2.35% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | VISION SERVICE PLAN | $1K | — | $1K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $3K | — | $3K | 7.71% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | ARAG INSURANCE COMPANY | $758 | — | $758 | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE CO. | $15K | $767 | $16K | 52.53% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM INSURANCE CO. | $4 | — | $4 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE CO. | $13K | $574 | $13K | 57.46% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM INSURANCE CO. | $2 | — | $2 | 0.01% |
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 | 377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 919 | $8.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 916 | $438K |
| Vision | VISION SERVICE PLAN | 318 | $74K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 476 | $264K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 476 | $180K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 476 | $180K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 919 | $8.3M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 476 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 919 | — |
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.