| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $139K | $14K | $153K | 3.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 417484 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$28 | — | -$28 | -0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $32 | $52K | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY., BLDG. 2 SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 14.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 14.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLAN | $1K | $34 | $1K | 3.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $32 | $32 | 3.20% |
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 | 1,358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,753 | $4.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,753 | $4.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,707 | $892K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,707 | $913K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,707 | $892K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,753 | $4.6M |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,707 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,753 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.