| 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 | $336K | — | $336K | 1.73% |
| 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 | $40K | — | $40K | 1.76% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $29K | $32K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $25K | $96K | 5.10% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $22K | $84K | 5.15% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $20K | $77K | 5.26% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $179K | $30K | $209K | 17.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $364K | $57K | $421K | 43.08% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1 | $10K | 1.07% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $727 | — | $727 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 601 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | — | $94K | 9.96% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $18K | $57K | 7.73% |
| THOMAS C CUNDY3 | PO BOX 24080 FT LAUDERDALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.60% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERSALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFIT PROGRAMS INC PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $59K | — | $59K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $169K | — | $169K | 34.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $50K | $50K | 10.23% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $13K | $13K | 2.77% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 1.99% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58K | $6K | $64K | 13.68% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $9K | $30K | 6.39% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $17K | 5.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $27K | — | $27K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $4K | — | $4K | 1.29% |
| USI INSURANCE SERVICES LLC3 | 200 W. CYPRESS CREEK ROAD, SUITE 60 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | $40 | — | $40 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 5.25% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.80% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN JAMES W | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $690 | $2K | 17.05% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN CHRISTOPHER M | 20 PARK PLAZE STE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $604 | $173 | $777 | 6.31% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 3.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $44 | $178 | 7.74% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | $21 | $81 | 5.69% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 1.54% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | — | $44 | 4.23% |
| PANTALONE, JO, ANN3 Filed as: PANTALONE JO ANN | 897 12TH ST HAMMONTON, NJ 08307 | FIRST UNUM LIFE INSURANCE COMPANY | $23 | — | $23 | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $23 | — | $23 | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $579 | — | $579 | 124.78% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $75 | — | $75 | 16.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS SUNRISE | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | $2 | $31 | 15.42% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 1.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $4.3M |
| MERCER HUMAN RESOURCE CONSULTING EIN 34-2015463 NONE | Other commissions; Actuarial; Consulting (general) Service code 11 | — | $1.8M |
| UNITED HEALTHCARE SERVICES INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $1.8M |
| AETNA LIFE INSURANCE CO EIN 06-6033492 NONE | Claims processing; Contract Administrator Service code 12 | — | $1.4M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $981K |
| JOHNS HOPKINS EIN 52-1465301 NONE | Contract Administrator Service code 13 | — | $541K |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 303740709 | $540K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Contract Administrator; Claims processing Service code 12 | — | $451K |
| LIVONGO EIN 26-3542036 NONE | Contract Administrator Service code 13 | — | $279K |
| HEALTH ADVOCATE INC EIN 23-3080019 NONE | Contract Administrator; Participant communication; Other services Service code 13 | — | $190K |
| CIGNA EIN 59-9103107 NONE | Contract Administrator; Claims processing Service code 12 | — | $169K |
| DELTA DENTAL OF KENTUCKY EIN 61-0659432 NONE | Contract Administrator Service code 13 | — | $165K |
| NEWTOPIA EIN 98-1237608 NONE | Contract Administrator Service code 13 | — | $162K |
| CVS CAREMARK NONE | Contract Administrator Service code 13 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $103K |
| EXPRESS SCRIPTS INC EIN 22-3461740 NONE | Other fees; Claims processing; Contract Administrator Service code 12 | — | $66K |
| EQUIFAX EIN 58-0401110 NONE | Contract Administrator Service code 13 | — | $56K |
| QUANTUM HEALTH INC EIN 20-8423895 NONE | Contract Administrator Service code 13 | — | $50K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $36K |
| QUARTZ NONE | Claims processing; Contract Administrator Service code 12 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $27K |
| 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 |
| MCKESSON CORPORATION EIN 94-3207296 NONE | Contract Administrator Service code 13 | — | $5K |
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 | 20,847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 3,555 | $21.7M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 7,307 | $1.5M |
| Life insurance(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,503 | $5.2M |
| Short-term disability(7 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 5,138 | $2.2M |
| Long-term disability(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,307 | $3.7M |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,503 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,503 | — |
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.