| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $121K | $121K | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $208K | — | $208K | 30.66% |
| MITCHELL, ANNE, GOODMAN3 | 165 LOWER FLYING POINT ROAD FREEPORT, ME 04032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| PEOPLE'S UNITED INSURANCE AGCY, INC3 | 850 MAIN STREET BRIDGEPORT, CT 06604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| THE BAKER BENEFIT GROUP3 Filed as: BAKER BENEFIT GROUP | 170 US ROUTE 1, STE 150 FALMOUTH, ME 04105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N ROCKY POINT DR WEST, STE 700 TAMPA, FL 33607 | ZURICH AMERICAN INSURANCE COMPANY | $60K | — | $60K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 9.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 4211 W BOY SCOUT BLVD, SUITE 1000 TAMPA, FL 33607 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 31.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | — | $11K | 34.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $163 | $163 | 1.25% |
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 | 9,617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 848 | $395K |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 13 | $22K |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 16,656 | $928K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,881 | $9.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,881 | $9.7M |
| Other(8 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,285 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,656 | — |
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."
No prospect flags tripped on this filing.