| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLANS INC | $59K | — | $59K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLANS INC | $35K | — | $35K | 0.28% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.5M | $209K | $1.7M | 34.03% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215K | $36K | $252K | 5.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-FT LAUDERDALE | 2400 EAST COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 33308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $180K | $57K | $237K | 5.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-FT LAUDERDALE | 2400 EAST COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 33308 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $158K | $49K | $207K | 5.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108K | $36K | $144K | 5.16% |
| THOMAS C CUNDY3 Filed as: THOMAS CUNDY INS | PO BOX 24080 FT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 0.28% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFIT PROGRAMS INC PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.15% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERSALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.08% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $304K | $126K | $430K | 27.05% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106K | — | $106K | 6.70% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740009 | UNITEDHEALTHCARE OF CALIFORNIA | $42K | — | $42K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $522K | $167K | $689K | 56.99% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90K | — | $90K | 7.47% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | HYATT LEGAL PLANS INC | $21K | — | $21K | 5.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS INC | $14K | $563 | $15K | 3.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | D/B/A USI INSURANCE SERVICE LLC PO BOX 3716 NORFOLK, VA 235143716 | HYATT LEGAL PLANS INC | — | $5K | $5K | 1.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 235143716 | HYATT LEGAL PLANS INC | — | $24 | $24 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $189 | $0 | $189 | 6.18% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.23% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $319 | $51 | $370 | 13.53% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $224 | — | $224 | 8.19% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $32 | — | $32 | 1.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $7.3M |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | $6.5M |
| UNIVERS WORKPLACE SOLUTIONS EIN 22-3325321 NONE | Other fees; Contract Administrator; Claims processing Service code 12 | — | $2.0M |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 303740709 | $1.1M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $1.0M |
| MERCER HEALTH & BENEFITS LLC | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $934K |
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 NONE | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $812K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Claims processing; Contract Administrator Service code 12 | — | $673K |
| HEALTH ADVOCATE INC EIN 23-3080019 NONE | Contract Administrator; Other services; Participant communication Service code 13 | — | $314K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Contract Administrator; Claims processing; Other fees Service code 12 | — | $312K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 NONE | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $233K |
| MDLIVE INC EIN 45-4937055 NONE | Other services Service code 49 | — | $176K |
| PAYFLEX SYSTEMS USA INC EIN 91-1774434 NONE | Participant communication; Contract Administrator Service code 13 | — | $143K |
| MERCER HUMAN RESOURCE CONSULTING EIN 34-2015463 NONE | Other commissions; Consulting (general); Actuarial Service code 11 | — | $138K |
| ADP BENEFIT SERVICES KY INC EIN 61-1169763 NONE | Participant communication; Contract Administrator Service code 13 | — | $77K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $20K |
| VIVID IMPACT COMPANY LLC NONE | Other services; Copying and duplicating Service code 36 | 10116 BUNSEN WAY LOUISVILLE, KY 402992504 | $18K |
| PNC BANK EIN 25-1211909 NONE | Trustee (bank, trust company, or similar financial institution); Investment advisory (participants); Float revenue Service code 21 | — | $10K |
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 | 36,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 489 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 36,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 4,150 | $32.6M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 33,880 | $2.5M |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,691 | $8.7M |
| Short-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27,019 | $7.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22,405 | $4.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,691 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,691 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.