| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $211K | $23K | $234K | 4.18% |
| BR203 DANIEL J PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $39K | $39K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.15% |
| DAN PINEAU3 | 36 WILLETT AVENUE RIVERSIDE, RI 02915 | DELTA DENTAL OF RHODE ISLAND | $4K | — | $4K | 3.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 1.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 1.45% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 99 HIGH ST BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 12421 MEREDITH DR URBANDALE, IA 50398 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 27.42% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 80 SOUTH 8TH ST STE 700 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 10.37% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | VISION SERVICE PLAN | $911 | — | $911 | 6.36% |
| DAN PINEAU3 | 36 WILLETT AVE RIVERSIDE, RI 02915 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $795 | — | $795 | 6.64% |
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 | 2,017 | 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) | 2,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 863 | $8.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 863 | $5.7M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 816 | $58K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,017 | $307K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $12K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,017 | $287K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,017 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,017 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.