| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $10K | $34K | 2.18% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $18K | 2.08% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 0.54% |
| PACIFIC RESOURES BENEFITS ADV3 | 12647 ALCOSTA BLVD STE 330 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81K | — | $81K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 6.19% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SVCS | 200 SEAPORT BLVD BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 3.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $5K | $16K | 2.09% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 2.17% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | — | $780 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $791 | $3K | 2.08% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $689 | — | $689 | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ACE AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $7K | — | $7K | 7.39% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX NUMBER 844303 WOBURN, MA 01801 | METLIFE LEGAL PLANS | $3K | — | $3K | 3.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $203 | $3K | 7.06% |
| FIELITY HEALTH INSURANCE SERVICE3 | 200 SEAPORT BLVD MAIL ZONE V28 BOSTON, MA 02210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA HEALTH INC EIN 47-5645538 ADMIN | Other services; Direct payment from the plan Service code 49 | — | $204K |
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 | 3,402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLANS | 37 | $552K |
| Vision | VISION SERVICE PLAN | 2,487 | $426K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,631 | $2.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,417 | $781K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,500 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,500 | — |
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.