| 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 AND AFFILIATES | — | $2K | $2K | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $13K | $27K | 2.25% |
| LENTZ, BARBARA, LYNN3 Filed as: LENTZ, BARBARA L | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $978 | — | $978 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 1.81% |
| LENTZ, BARBARA, LYNN3 Filed as: LENTZ, BARBARA L | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.66% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SVCS | PO BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $876 | — | $876 | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 14.82% |
| LENTZ, BARBARA, LYNN3 Filed as: LENTZ, BARBARA L | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.32% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.35% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | -$4 | $2K | 4.00% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.49% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $73 | $2K | 4.23% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 14.02% |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,518 | $6.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,501 | $773K |
| Vision | VISION SERVICE PLAN | 521 | $102K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 758 | $528K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 753 | $1.4M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 758 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,518 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.