| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 | PO BOX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 2.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | PO BOX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 2.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | PO BOX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 2.00% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON MEDICAL SOLUTION | 1 BEACON ST STE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 9.28% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SVCS | 200 SEAPORT BLVD BOSTON, MA 02210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 9.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148 | — | $148 | 0.01% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SERVICE | PO BOX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | — | $290 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGI, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$102 | — | -$102 | -0.02% |
| FIDELITY HEALTH INSURANCE SERVICES3 | PO BOX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | PO B OX 830324 PHILADELPHIA, PA 19182 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | — | $0 | 0.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX NUMBER 844303 WOBURN, MA 01801 | METLIFE LEGAL PLANS | — | — | $0 | 0.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD ZW10B BOSTON, MA 02210 | ACE AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYRA HEALTH INC EIN 47-5645538 ADMIN | Other services; Direct payment from the plan Service code 49 | — | $363K |
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 | 4,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLANS | 20 | $503K |
| Vision | VISION SERVICE PLAN | 3,244 | $472K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,274 | $2.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,962 | $1.1M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,854 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,854 | — |
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.