| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STARMOUNT LIFE INSURANCE COMPANY | $32K | $12K | $44K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $0 | $17K | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $11K | $70K | 5.43% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $64K | $64K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 0.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.22% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4613 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9K | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $8K | $500 | $8K | 9.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 5.75% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $798 | $798 | 0.94% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W. WELLS AND SON, INC. | 1 NORTH 3RD STREET WILMINGTON, NC 28401 | UNUM INSURANCE COMPANY | $527 | $17 | $544 | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $7K | $436 | $7K | 10.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1550 AVIATION PARKWAY SUITE 300 MORRISVILLE, NC 27703 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.52% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $406 | $406 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPORER BOULEVARD SUITE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $4K | — | $4K | 8.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $590 | $0 | $590 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4819 EMPORER BOULEVARD SUITE 200 DURHAM, NC 27703 | FOUR EVER LIFE INS CO. | $960 | $0 | $960 | 10.00% |
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 | 1,637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,883 | $12.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 1,177 | $1.5M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,177 | $1.5M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,183 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,883 | $12.7M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,416 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,883 | — |
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.