| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOORADIAN, JAMES, W3 | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185K | $9K | $194K | 5.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $32K | $109K | 3.01% |
| LAMBERT, BRYAN, E3 | 20 PARK PLAZA, STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $6 | $19K | 0.53% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN, CHRISTOPHER, M | 20 PARK PLAZA, STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 2.17% |
| MOORADIAN, JAMES, W3 | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $105K | $97K | $203K | 21.40% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN, CHRISTOPHER, M | 20 PARK PLAZE STE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $7K | $14K | 1.49% |
| LAMBERT, BRYAN, E3 | 20 PARK PLAZE STE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 1.27% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.18% |
| GMAC RISK SERVICES INC.3 Filed as: GMAC RISK SERVICES INC | DBA COVERAGEONE AGENCY PO BOX 6543 CHICAGO, IL 60680 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $919 | — | $919 | 0.10% |
| CASTEN, BRANDON, GEOFFREY3 | 240 N HIGHLAND AVE 3324 ATLANTA, GA 30307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $596 | $6K | 13.09% |
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 | 9,188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 817 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 15,453 | $705K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,259 | $3.4M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 779 | $996K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,259 | $4.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 9,259 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,453 | — |
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.