| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | -$27K | $10K | -$17K | -0.41% |
| BR203 DANIEL J PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $30K | $30K | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.89% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 3.36% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.39% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $1K | — | $1K | 3.36% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.94% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $822 | — | $822 | 7.28% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL J PINEAU | 36 WILLETT AVE RIVERSIDE, RI 02915 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $860 | — | $860 | 9.04% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $75 | — | $75 | 3.38% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $23 | — | $23 | 3.36% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 763 | $6.0M |
| Dental(5 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 763 | $4.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 717 | $42K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,727 | $251K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $13K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,727 | $235K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,727 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,727 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.