| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $129K | $149K | 2.53% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $580 | $580 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 11.94% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE, STE 310 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $372 | $6K | 7.14% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $435 | $435 | 0.54% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST, STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $696 | $7K | 21.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $287 | $3K | 8.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 0.28% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $570 | $10K | 41.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $408 | $5K | 21.38% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR, SUITE 610 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.21% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST, SUITE 201 HAVRE DE GRACE, MD 21078 | FIRST UNUM LIFE INSURANCE COMPANY | $807 | — | $807 | 22.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $321 | — | $321 | 8.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DR, SUITE 610 BETHESDA, MD 20817 | FIRST UNUM LIFE INSURANCE COMPANY | $38 | — | $38 | 1.05% |
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 | 919 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 838 | $5.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 838 | $5.9M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,014 | $81K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $294K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $267K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $267K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 838 | $5.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.