| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $60K | — | $60K | 4.91% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD. BOSTON, MA 022102031 | RELIASTAR LIFE INSURANCE COMPANY | $59K | — | $59K | 4.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $2K | — | $2K | 1.50% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD BOSTON, MA 02210 | VISION SERVICE PLAN | $1K | — | $1K | 0.71% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $589 | $3K | 4.40% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $292 | $292 | 0.50% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $760 | $3K | 8.03% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $443 | $443 | 1.08% |
| FIDLEITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $485 | $2K | 5.86% |
| FIDLEITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $333 | $333 | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | $6 | $47 | 0.13% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $340 | $3K | 8.53% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $173 | $173 | 0.57% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $372 | $3K | 11.67% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $176 | $176 | 0.72% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $274 | $2K | 9.60% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $182 | $182 | 0.83% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $839 | $282 | $1K | 6.47% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $172 | $172 | 0.99% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $229 | $229 | 1.70% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $142 | $142 | 1.06% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $184 | $1K | 10.85% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.89% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURNACE SERVICES | 20 COMMERCE WAY SUITE 800 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $667 | $103 | $770 | 6.44% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURNACE SERVICES | 20 COMMERCE WAY SUITE 800 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | $1 | $19 | 0.16% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $858 | $129 | $987 | 11.38% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERECE WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $78 | $78 | 0.90% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMEREC WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | $579 | $87 | $666 | 11.30% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMEREC WAY STE 800 PNC BANK C/O FMR LLC LOCKBOX 84403 WOBURN, MA 018011057 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.97% |
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 | 1,317 | 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) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $12K |
| Vision | VISION SERVICE PLAN | 1,082 | $148K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,803 | $1.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,803 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,803 | $1.2M |
| Prescription drug | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $12K |
| Other(12 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,803 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.