| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $184K | — | $184K | 8.83% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $508 | $508 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVENUE WASHINGTON, DC 20036 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $70K | $0 | $70K | 3.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79K | $0 | $79K | 74.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $37K | $2K | $39K | 38.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $14K | $2K | $16K | 16.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH STREET BOSTON, MA 02110 | LLOYDS OF LONDON | $26K | $0 | $26K | 28.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $49K | $2K | $51K | 56.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 MARKET STREET, SUITE 1800 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $537 | $0 | $537 | 25.02% |
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 | 2,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 5,008 | $1.8M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 4,687 | $47K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,463 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $197K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,463 | $2.1M |
| Other(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,463 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,008 | — |
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.