| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $258K | — | $258K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $101K | — | $101K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 0.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4 EMBARCADERO CENTER SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $2.7M | — | $2.7M | 51.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | WILLIS TOWER FLOORS 18, 19, 20 233 S WACKER DRIVE CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET SUITE 200 GRANDVIEW HEIGHTS, OH 43212 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114K | $82K | $196K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1.2M | $16K | $1.3M | 41.45% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $166K | $17K | $183K | 6.03% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $3K | $24K | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | $61K | $147K | 6.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 601 MERRITT 7 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $244K | — | $244K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 155 N WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $32K | $111K | 4.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $25K | $94K | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $320K | $43K | $363K | 18.35% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $192K | $45K | $237K | 11.99% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $25K | $93K | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $23K | $83K | 4.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $565K | $2 | $565K | 34.50% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107K | $318K | $425K | 25.99% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $132K | — | $132K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE OF CALIFORNIA | $38K | — | $38K | 3.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81K | $29K | $110K | 9.07% |
| THOMAS C CUNDY3 Filed as: THOMAS CARROLL CUNDY | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 0.50% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| CUNDY, INC.3 Filed as: CUNDY INS AGENCY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.18% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $11K | $40K | 4.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $31K | 4.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $51K | $7K | $59K | 10.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | HYATT LEGAL PLANS | — | $27 | $27 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $5K | $18K | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $14K | 4.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 4.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 68.96% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $149 | — | $149 | 1.19% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM INSURANCE COMPANY | $2K | $231 | $2K | 31.56% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM INSURANCE COMPANY | $552 | $117 | $669 | 10.76% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM INSURANCE COMPANY | $6 | — | $6 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE CO EIN 35-0781558 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $11.2M |
| UNITED HEALTHCARE SERVICES EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $4.0M |
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Contract Administrator; Claims processing Service code 12 | — | $2.1M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $1.5M |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 30374 | $1.4M |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Claims processing; Contract Administrator; Other fees Service code 12 | — | $743K |
| HEALTH ADVOCATE EIN 23-3080019 NONE | Contract Administrator; Other services; Participant communication Service code 13 | — | $457K |
| MERCER EIN 34-2015463 NONE | Consulting (general); Other commissions; Actuarial Service code 11 | — | $442K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | — | $362K |
| DELTA DENTAL OF KENTUCKY EIN 61-0659432 NONE | Claims processing; Contract Administrator Service code 12 | — | $354K |
| UNIVERS WORKPLACE SOLUTIONS EIN 22-3325321 NONE | Contract Administrator; Other fees; Claims processing Service code 12 | — | $89K |
| EQUIFAX EIN 58-0401110 NONE | Contract Administrator Service code 13 | — | $72K |
| PAYFLEX SYSTEMS USA INC EIN 91-1774434 NONE | Participant communication; Contract Administrator Service code 13 | — | $50K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $26K |
| PNC BANK EIN 25-1211909 NONE | Float revenue; Trustee (bank, trust company, or similar financial institution); Investment advisory (participants) 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 | 47,561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 47,827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,976 | $32.2M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 18,533 | $4.0M |
| Life insurance(8 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,020 | $10.8M |
| Short-term disability(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,062 | $3.6M |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,889 | $7.4M |
| Other(10 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 42,700 | $19.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,700 | — |
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.
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.