| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 5.00% |
| ACETI, DANIEL, GINO3 | 7804 FAIRVIEW RD STE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $12K | $45K | 23.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S. JEFFERSON ST. ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $608 | $0 | $608 | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $32 | $32 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.27% |
| MASTERCARE SOLUTIONS, INC.3 Filed as: MASTERCARE SOLUTIONS INC | 19085 PINEHURST ROAD BEND, OR 97703 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), PA | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | NATIONAL UNION FIRE INC. CO. OF PITTSBURGH PA | $7K | $0 | $7K | 20.00% |
| ACETI, DANIEL, GINO3 | 7804 FAIRVIEW RD, 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | $3K | $9K | 25.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $67 | $0 | $67 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W., PLAZA 2 250 PEHL AVE W #400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $66 | $0 | $66 | 0.18% |
| ACETI, DANIEL, GINO3 | 7804 FAIRVIEW RD STE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST. ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $669 | $0 | $669 | 2.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $0 | $548 | 1.66% |
| MORRISON, GUY, FORREST3 | PO BOX 12748 ROANOKE, VA 24028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.00% |
| ACETI, DANIEL, GINO3 | 7804 FAIRVIEW RD., #266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 23.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $734 | $0 | $734 | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S. JEFFERSON ST. ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERIVICES (PA), INC. | 2600 KELLY RD., SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S. JEFFERSON ST. ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.47% |
| ACETI, DANIEL, GINO3 | 7804 FAIRVIEW RD STE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $453 | $379 | $832 | 11.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 S. JEFFERSON ST. ROANOKE, VA 24011 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $54 | $0 | $54 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $34 | $0 | $34 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W., PLAZA 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07662 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ATLANTA | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $455 | $0 | $455 | 12.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W., PLAZA 2 250 PEHLE AVE W #400 SADDLE BROOK, NJ 07668 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18 | $0 | $18 | 0.83% |
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 | 989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $47K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,190 | $2.3M |
| Vision | VISION SERVICE PLAN | 838 | $158K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 989 | $608K |
| Long-term disability(10 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 989 | $643K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,190 | $2.2M |
| Other(6 contracts, 4 carriers) | GENWORTH LIFE INSURANCE COMPANY | 989 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,190 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.