| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $345K | $44K | $389K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $40K | $40K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK AVENUE SUITE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $27K | $27K | 0.37% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $30K | $30K | 0.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $24K | $24K | 0.55% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $0 | $20K | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N. CLARK STREET SUITE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $16K | $16K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N. CLARK STREET SUITE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $10K | $10K | 0.38% |
| PACIFIC REOURCES BENEFITS ADVISORS3 | 21300 VICTORY BLVD #635 WOODLAND HILLS, CA 91367 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $354 | $354 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 24.99% |
No Schedule C service providers reported on this filing.
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 | 27,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 467 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 709 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 39,290 | $2.6M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 26,001 | $7.2M |
| Long-term disability(2 contracts) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 25,999 | $6.9M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,290 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.