| 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 | $108K | $110K | $218K | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - NEW | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96K | $40K | $136K | 3.87% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 0.01% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 0.00% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 277 DARTMOUTH ST 4TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.00% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | UNUM INSURANCE COMPANY | $355K | $23K | $378K | 15.66% |
| JAMES W. MOORADIAN3 Filed as: JAMES W MOORADIAN | 6 HIGHLAND ROAD CHARLESTOWN, RI 02813 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176K | $132K | $308K | 21.16% |
| CALIBER BENEFITS GROUP3 Filed as: CALIBER BENEFITS GROUP LLC | 277 DARTMOUTH ST 4TH FLR 20 PARK PLAZA BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7K | $7K | 0.49% |
| BRYAN LAMBERT3 Filed as: BRYAN E LAMBERT | 20 PARK PLAZA STE 1012 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 0.47% |
| CHRISTOPHER M. ALLEN3 Filed as: CHRISTOPHER M ALLEN | 277 DARTMOUTH ST 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.27% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN JOSEPH PRYOR 11225 N COMMUNITY HOUSE RD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| GMAC RISK SERVICES INC.3 | DBA COVERAGEONE AGENCY PO BOX 6543 CHICAGO, IL 60680 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $790 | — | $790 | 0.05% |
| BRANDON GEOFFREY CASTEN3 | 940 LOCUST ST NE SAINT PETERSBURG, FL 33701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 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 | $999 | $8K | 9.41% |
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 | 10,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 94 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICE ASSOCIATION | 5 | $31K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 5 | $31K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 16,695 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 10,674 | $4.9M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,667 | $5.0M |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 966 | $1.5M |
| Other(3 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 10,674 | $10.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,695 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.