| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $135K | $63K | $199K | 3.51% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $171 | $97K | 1.71% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 1.01% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 20 PARK PLAZA, SUITE 478 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $160 | $2K | 16.25% |
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 | 7,886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 231 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $10K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $10K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 14,020 | $622K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,976 | $5.7M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 188 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,976 | $5.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,976 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,020 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.