| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL BENEFITS, INC.3 | 7272 EAST INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | RELIASTAR LIFE INSURANCE COMPANY | $55K | $58K | $112K | 10.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 5.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, INC | PO BOX 849789 LOS ANGELES, CA 90084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $16K | $16K | 15.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE, INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 12.23% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 5.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICE, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 4.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | EXPRESS SCRIPTS, INC. | $350 | — | $350 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BEN. ADMIN., LLC | 777 SOUTH FIGUEROA ST LOS ANGELES, CA 90017 | LLOYDS OF LONDON | $8K | — | $8K | 25.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 10807 NEW ALLEGIANCE DRIVE SUITE 515 COLORADO SPRINGS, CO 80921 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $756 | — | $756 | 2.99% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP/NFP | 3445 PEACHTREE ROAD NE SUITE 200 ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 11 | $25K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,872 | $1.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,872 | $1.1M |
| Long-term disability(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,872 | $1.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 10 | $48K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,872 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,872 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.