| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | GHMSI | $96K | $16K | $111K | 5.24% |
| GROUP BENEFIT SERVICES INC5 | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | GHMSI | — | $24K | $24K | 1.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92191 | GHMSI | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $22K | 10.76% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE STE 310 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 4.59% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DR STE 310 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $642 | $642 | 0.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $762 | $8K | 27.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $257 | $3K | 8.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $132 | $132 | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $706 | $706 | 2.91% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $427 | $8K | 44.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $225 | $3K | 16.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $834 | — | $834 | 4.98% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET SUITE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $48 | $48 | 0.29% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 37.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $340 | — | $340 | 11.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $227 | — | $227 | 7.59% |
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 | 575 | 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) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 360 | $2.2M |
| Dental | GHMSI | 262 | $2.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 298 | $24K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 585 | $220K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 585 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 585 | $200K |
| Prescription drug | GHMSI | 262 | $2.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 585 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.