| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | $107K | $106K | $213K | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $94K | $39K | $133K | 4.10% |
| MOORADIAN, JAMES, W3 | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $658 | $17K | 0.51% |
| LAMBERT, BRYAN, E3 | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.04% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN, CHRISTOPHER, M | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $487 | — | $487 | 0.01% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN, JAMES W | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | UNUM INSURANCE COMPANY | $242K | $82K | $324K | 18.37% |
| MOORADIAN, JAMES, W3 | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $138K | $125K | $263K | 24.47% |
| LAMBERT, BRYAN, E3 | 20 PARK PLAZE STE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.79% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN, CHRISTOPHER, M | 20 PARK PLAZE STE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.45% |
| 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 | 0.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.11% |
| GMAC RISK SERVICES INC.3 | DBA COVERAGEONE AGENCY PO BOX 6543 CHICAGO, IL 60680 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $734 | — | $734 | 0.07% |
| CASTEN, BRANDON, GEOFFREY3 | 740 4TH ST N STE 119 ST. PETERSBURG, FL 33701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $1K | $8K | 8.21% |
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 | 11,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 762 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 5 | $30K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 17,736 | $1.1M |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 11,403 | $4.8M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 901 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,132 | $4.3M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 11,403 | $9.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,736 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.