| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 0.92% |
| BR203 DANIEL J PINEAU3 Filed as: BR203 BUSINESS BENEFITS PLANNING CO | 36 WILLETT AVE RIVERSIDE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $15K | $15K | 1.59% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 4.17% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $697 | — | $697 | 4.17% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $625 | — | $625 | 8.33% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 18.98% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNION SECURITY INSURANCE COMPANY | $507 | — | $507 | 14.01% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 6.91% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $122 | — | $122 | 4.19% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNION SECURITY INSURANCE COMPANY | $60 | — | $60 | 2.99% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $48 | — | $48 | 4.18% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNION SECURITY INSURANCE COMPANY | $107 | — | $107 | 14.99% |
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 | 1,161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,161 | $4.4M |
| Dental(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,161 | $3.5M |
| Vision(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $34K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,161 | $3.5M |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Long-term disability(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,161 | $3.5M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,161 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,161 | — |
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.