| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $4K | $13K | 2.31% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $12K | — | $12K | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $2K | $6K | 1.85% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD 4 RADNOR CORP CTR RADNOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 9.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.39% |
| BENCHMARK BENEFITS, INC.3 Filed as: BENCHMARK BENEFITS LLC | 2404 ELECTRIC RD SUITE C ROANOKE, VA 24018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $7K | $13K | 11.39% |
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 | 1,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 15 | $116K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 15 | $231K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 792 | $367K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,440 | $559K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 920 | $333K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,440 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,440 | — |
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.