| 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 | $354K | — | $354K | 1.66% |
| 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 | $72K | — | $72K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4 EMBARCADERO CENTER SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $846K | — | $846K | 25.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $25K | $102K | 4.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | $21K | $86K | 4.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $21K | $85K | 4.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $19K | $77K | 4.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $262K | $19K | $281K | 23.40% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | -$1 | $15K | 1.25% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $13K | $56K | 5.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90K | $10K | $100K | 10.24% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $7K | $32K | 3.25% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $98K | — | $98K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $9K | $40K | 5.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201K | — | $201K | 28.77% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $10K | $23K | 3.34% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $7K | $29K | 5.41% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56K | $15K | $70K | 12.98% |
| THOMAS C CUNDY3 Filed as: THOMAS CUNDY INS | PO BOX 24080 FT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 0.92% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFIT PROGRAMS INC PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERSALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 4.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS INC | $39K | — | $39K | 10.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS INC | — | $5K | $5K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 100260 PASADENA, CA 91189 | HYATT LEGAL PLANS INC | — | $1K | $1K | 0.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 235143716 | HYATT LEGAL PLANS INC | — | $60 | $60 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $19K | 5.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 4.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $6K | $339 | $6K | 13.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | — | $466 | $466 | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $208 | $53 | $261 | 5.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 64.88% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $78 | — | $78 | 4.49% |
| 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 | — | — | $0 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$325 | -$116 | -$441 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $7.3M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $2.6M |
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.9M |
| MERCER HUMAN RESOURCE CONSULTING EIN 34-2015463 NONE | Other commissions; Consulting (general); Actuarial Service code 11 | — | $1.8M |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 303740709 | $1.3M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $888K |
| JOHNS HOPKINS EIN 52-1465301 NONE | Contract Administrator Service code 13 | — | $820K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Claims processing; Contract Administrator Service code 12 | — | $660K |
| DELTA DENTAL OF KENTUCKY EIN 61-0659432 NONE | Contract Administrator Service code 13 | — | $501K |
| LIVONGO EIN 26-3542036 NONE | Contract Administrator Service code 13 | — | $420K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Other fees; Claims processing; Contract Administrator Service code 12 | — | $307K |
| HEALTH ADVOCATE INC EIN 23-3080019 NONE | Contract Administrator; Participant communication; Other services Service code 13 | — | $293K |
| CIGNA EIN 59-9103107 NONE | Claims processing; Contract Administrator Service code 12 | — | $219K |
| EQUIFAX EIN 58-0401110 NONE | Contract Administrator Service code 13 | — | $108K |
| NEWTOPIA EIN 98-1237608 NONE | Contract Administrator Service code 13 | — | $72K |
| MCKESSON CORPORATION EIN 94-3207296 NONE | Contract Administrator Service code 13 | — | $65K |
| NATURALLY SLIM EIN 26-3868596 NONE | Contract Administrator Service code 13 | — | $41K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $33K |
| QUARTZ NONE | Contract Administrator; Claims processing Service code 12 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $20K |
| PNC BANK EIN 25-1211909 NONE | Investment advisory (participants); Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $10K |
| AETNA INTEGRATED SERVICES NONE | Contract Administrator Service code 13 | 646 PARSONS AVENUE COLUMBUS, OH 43206 | $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 | 22,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 245 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 22,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 3,516 | $25.0M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 8,800 | $2.4M |
| Life insurance(10 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,715 | $7.1M |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,914 | $1.7M |
| Long-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,232 | $5.0M |
| Other(11 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 28,867 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,867 | — |
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.