| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JJAN FINANCIAL3 | 412 ALLEGHENY ST PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $43K | — | $43K | 2.01% |
| TRISTATE UNION BENEFITS CORPORATION3 | 5624 201ST ST OAKLAND GARDENS, NY 11364 | RELIASTAR LIFE INSURANCE COMPANY | $174K | — | $174K | 8.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $49K | — | $49K | 3.29% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $10K | — | $10K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $16K | — | $16K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $12K | — | $12K | 3.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10028 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $10K | — | $10K | 3.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $10K | — | $10K | 3.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $9K | — | $9K | 3.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 601 MERRITT 7 FL 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 10.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $5K | — | $5K | 3.56% |
| JJAN FINANCIAL3 Filed as: THE JJAN FINANCIAL GROUP INC | 3101 BEALE AVE #101 ALTOONA, PA 16601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 2.94% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: LR WEBBER ASSOCIATES INC | P.O. BOX 593 HOLLIDAYSBURG, PA 16648 | SUN LIFE ASSURANCE COMPANY OF CANADA | $215 | — | $215 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $4K | — | $4K | 3.21% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $2K | — | $2K | 2.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 3.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $1K | — | $1K | 1.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH ST 27TH FLOOR PHILADELPHIA, PA 19103 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 4.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $1K | — | $1K | 3.67% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $1K | — | $1K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $928 | — | $928 | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N. TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $431 | — | $431 | 3.29% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST. P.O. BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH OPTIONS | $122 | — | $122 | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | AXIS INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| JJAN FINANCIAL3 | 412 ALLEGHENY ST PO BOX 197 HOLLIDAYSBURG, PA 16648 | UPMC HEALTH BENEFITS | $6 | — | $6 | 3.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 N TRYON STREET CHARLOTTE, NC 28202 | UPMC HEALTH OPTIONS | $18 | — | $18 | — |
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 | 3,349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(24 contracts, 10 carriers) | UPMC HEALTH OPTIONS | 4,112 | $8.7M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,243 | $1.5M |
| Vision(7 contracts, 7 carriers) | UPMC HEALTH OPTIONS | 1,429 | $4.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,112 | $2.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,112 | $2.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,112 | $2.1M |
| Prescription drug(20 contracts, 6 carriers) | UPMC HEALTH OPTIONS | 398 | $6.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,112 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,112 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.