| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MBL ADVISORS INC3 | 301 S MCDOWELL STREET SUITE 1100 CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $475K | $408K | $882K | 26.26% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $81K | $81K | 2.40% |
| LOCKWOOD INSURANCE3 Filed as: LOCKWOOD, LUTHER | 301 S MCDOWELL STREET SUITE 1100 CHARLOTTE, NC 28204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $113 | $16K | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPEHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $270K | $0 | $270K | 8.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPEHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $144K | $0 | $144K | 8.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $41K | $0 | $41K | 9.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREET SUITE 1800 ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | $0 | $5K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET STREET, SUITE 1800 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | $0 | $2K | 25.00% |
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 | 9,924 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 447 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 5,454 | $3.3M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,300 | $458K |
| Long-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,456 | $5.0M |
| Other(5 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 16,476 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,476 | — |
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.