| 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 | $367K | — | $367K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448K | $47K | $495K | 24.62% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $19 | $9K | 0.42% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $434 | $3 | $437 | 0.02% |
| 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 | $33K | — | $33K | 1.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | $23K | $87K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $17K | $65K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS-SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $15K | $56K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $14K | $52K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $155K | $13K | $168K | 16.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89K | $10K | $99K | 14.02% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $6K | $21K | 2.93% |
| PANTALONE, JO, ANN3 Filed as: JO A PANTALONE | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | — | VISION SERVICE PLAN | $71K | — | $71K | 10.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 601 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 11.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | — | $54K | 11.81% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 1.56% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $5K | $5K | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $4K | $4K | 0.82% |
| JO ANN PANTALONE3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $923 | — | $923 | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $13K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $23K | $4K | $27K | 10.72% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 11.16% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.14% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERSALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.81% |
| CUNDY, INC.3 Filed as: CUNDY INSURANCE AGENCY INC | PO BOX 24080 FT LAUDERSALE, FL 33307 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| LOUIS R FAIOLA3 Filed as: LOUIS J PANTALONE | CUSTOM BENEFIT PROGRAMS INC PO BOX 1116 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $980 | — | $980 | 0.45% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $576 | — | $576 | 0.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS -SUNRISE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 4.75% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.00% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | — | $22K | 23.42% |
| HARDEN & ASSOCIATES3 Filed as: HARDEN AND ASSOCIATES INC | 501 RIVERSIDE AVE JACKSONVILLE, FL 32202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $9K | $9K | 10.03% |
| MOORADIAN, JAMES, W3 Filed as: MOORADIAN JAMES W | 277 DARTMOUTH ST 4TH FL BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 6.25% |
| ALLEN, CHRISTOPHER M3 Filed as: ALLEN CHRISTOPHER M | 20 PARK PLAZE STE 478 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $403 | $2K | 2.30% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $36 | — | $36 | 3.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | — | $18 | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $66 | — | $66 | 11.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS SUNRISE | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71 | $6 | $77 | 16.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUANTUM HEALTH INC EIN 20-8423895 NONE | Contract Administrator Service code 13 | — | $2.9M |
| UMR INC EIN 39-1995276 NONE | Other services; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.3M |
| MERCER HUMAN RESOURCE CONSULTING EIN 34-2015463 NONE | Other commissions; Actuarial; Consulting (general) Service code 11 | — | $1.7M |
| MERITAIN INC EIN 16-1264154 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $1.5M |
| LIMEADE INC EIN 06-1771116 NONE | Participant communication; Contract Administrator Service code 13 | — | $832K |
| JOHNS HOPKINS EIN 52-1465301 NONE | Contract Administrator Service code 13 | — | $596K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 NONE | Contract Administrator; Claims processing Service code 12 | — | $456K |
| QUEST DIAGNOSTICS NONE | Other services Service code 49 | PO BOX 74079 ATLANTA, GA 303740709 | $255K |
| LIVONGO EIN 26-3542036 NONE | Contract Administrator Service code 13 | — | $241K |
| MAVEN CLINIC CO EIN 46-5747423 NONE | Contract Administrator Service code 13 | — | $190K |
| CIGNA EIN 59-9103107 NONE | Contract Administrator; Claims processing Service code 12 | — | $187K |
| CVS CAREMARK NONE | Contract Administrator Service code 13 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $169K |
| DELTA DENTAL OF KENTUCKY EIN 61-0659432 NONE | Contract Administrator Service code 13 | — | $128K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $77K |
| RETHINK AUTISM INC EIN 26-1746074 NONE | Investment advisory (participants); Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $77K |
| EQUIFAX EIN 58-0401110 NONE | Contract Administrator Service code 13 | — | $64K |
| MILLIMAN INC EIN 91-0675641 NONE | Actuarial Service code 11 | — | $56K |
| HEALTH ADVOCATE INC EIN 23-3080019 NONE | Participant communication; Other services; Contract Administrator Service code 13 | — | $30K |
| QUARTZ NONE | Claims processing; Contract Administrator Service code 12 | 840 CAROLINA STREET SAUK CITY, WI 53583 | $25K |
| AETNA INTEGRATED SERVICES NONE | Contract Administrator Service code 13 | 646 PARSONS AVENUE COLUMBUS, OH 43206 | $12K |
| NEWTOPIA EIN 98-1237608 NONE | Contract Administrator Service code 13 | — | $10K |
| MCKESSON CORPORATION EIN 94-3207296 NONE | Contract Administrator Service code 13 | — | $6K |
| VIRTA MEDICAL P C EIN 36-4841662 NONE | Contract Administrator Service code 13 | — | $6K |
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 | 22,853 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 247 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 23,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLANS INC | 3,586 | $22.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,234 | $678K |
| Life insurance(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,123 | $4.0M |
| Short-term disability(7 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 3,167 | $2.3M |
| Long-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,594 | $2.6M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,380 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,380 | — |
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.