| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $123K | $123K | 4.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 0.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION, A MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 15 WEST SOUTH TEMPLE SUITE 700 SALT LAKE CITY, UT 84101 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 1202 NORTH 16TH AVENUE SUITE 200 YAKIMA, WA 98902 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.23% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN, DIENER & BORNTRAGER INS | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SERVICES, LLC. | PO BOX 5407 RICHMOND, VA 23220 | PRINCIPAL LIFE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF VIRGINIA | $15K | $0 | $15K | 9.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $945 | $0 | $945 | 1.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC. | 540 FORT EVANS ROAD LEESBURG, VA 20176 | HARTFORD LIFE AND ACCIDENT | $11K | $359 | $12K | 24.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 11.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $64 | $64 | 0.13% |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $3.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 654 | $169K |
| Vision | VISION SERVICE PLAN | 610 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $589K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $638K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $589K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $3.0M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,029 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.