| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 0.69% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $13K | — | $13K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.61% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $346 | $430 | $776 | 3.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.15% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $460 | — | $460 | 4.87% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 11.66% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $127 | — | $127 | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $339 | $29 | $368 | 14.97% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $97 | — | $97 | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $12 | $76 | 6.58% |
| MOSSE AND MOSSE ASSOCIATES, INC.3 Filed as: MOSSE AND MOSSE ASSOCIATES INC | 50 SALEM STREET BUILDING B LYNNFIELD, MA 01940 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEIGHBORHOOD HEALTH PLAN, INC. | $81 | — | $81 | — |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 1,207 | $3.4M |
| Dental(8 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,207 | $2.7M |
| Vision(6 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 231 | $304K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,207 | $2.4M |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 56 | $38K |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,207 | $2.4M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,207 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.