| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $12K | $19K | 6.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 2.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.21% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $16K | $45K | 26.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $664 | $0 | $664 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $0 | $256 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $22 | $22 | 0.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| MASTERCARE SOLUTIONS, INC.3 | 19085 PINEHURST ROAD BEND, OR 97703 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GENWORTH LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY DRIVE SUITE 300 WARRINGTON, PA 18976 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $7K | $0 | $7K | 20.00% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD SUITE 266 CHARLOTTE, NJ 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $2K | $8K | 22.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $219 | $0 | $219 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $40 | $0 | $40 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $519 | $0 | $519 | 2.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $391 | $0 | $391 | 2.15% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $281 | $720 | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $387 | $0 | $387 | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $248 | $0 | $248 | 1.45% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $968 | $3K | 25.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.09% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $369 | $213 | $582 | 12.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $32 | $0 | $32 | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $18 | $0 | $18 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC. | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 1.75% |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 948 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,954 | $1.2M |
| Vision | VISION SERVICE PLAN | 763 | $124K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 989 | $427K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $59K |
| Long-term disability(8 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 990 | $494K |
| Other(4 contracts, 3 carriers) | GENWORTH LIFE INSURANCE COMPANY | 989 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,954 | — |
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.