| 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 | 2.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SVCS | PO BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 2.40% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 2.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 2.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 16.14% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.34% |
| 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 | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $594 | — | $594 | 0.49% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.85% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $954 | -$1 | $953 | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $746 | $23 | $769 | 1.49% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE COURT GREEN VALLEY, AZ 85614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.05% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $8 | $1K | 3.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $564 | $19 | $583 | 1.46% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 8.67% |
| LENTZ, BARBARA, LYNN3 | 2700 E PONCE CT GREEN VALLEY, AZ 85614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 11.71% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,386 | $8.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,365 | $767K |
| Vision | VISION SERVICE PLAN | 499 | $109K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 755 | $519K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 182 | $121K |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 733 | $1.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,386 | $8.5M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,386 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,386 | — |
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.