| 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 | AETNA LIFE INSURANCE CO. | $59K | — | $59K | 1.95% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $142K | $13K | $156K | 5.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $25K | $84K | 2.94% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $25 | $37K | 1.31% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 20 PARK PLAZA, SUITE 478 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 0.45% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91K | $115K | $206K | 23.74% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 277 DARTMOUTH ST, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 2.15% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 20 PARK PLAZA, STE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 1.48% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | 11225 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.94% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.46% |
| GMAC RISK SERVICES INC.3 Filed as: GMAC RISK SERVICES INC | PO BOX 6543 CHICAGO, IL 60680 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.25% |
| CASTEN, BRANDON, GEOFFREY3 | 240 N HIGHLAND AVE 3324 ATLANTA, GA 30307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $415 | $4K | 16.81% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF MICHIGAN | 600 LAFAYETTE EAST DETROIT, MI 48226 | FOUR EVER LIFE INTERNATIONAL LIMITED | — | $3K | $3K | 25.00% |
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 | 8,094 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 210 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INTERNATIONAL LIMITED | 1 | $11K |
| Dental | FOUR EVER LIFE INTERNATIONAL LIMITED | 1 | $11K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 14,095 | $638K |
| Life insurance | AETNA LIFE INSURANCE CO. | 8,072 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 708 | $892K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,019 | $3.7M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 8,072 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,095 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.