| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $271K | -$35K | $236K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $73K | $73K | 2.83% |
| WINSTON FINANCIAL SERVICES3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $390K | — | $390K | 30.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65K | — | $65K | 5.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $22K | $22K | 2.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $67K | — | $67K | 6.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONWIDE | $30K | $9K | $39K | 11.60% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $10K | $14K | $24K | 7.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 38 CARTER STREET UNIT 316 EVERETT, MA 02149 | ARAG INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 321 N CLARK ST STE 940 CHICAGO, IL 60654 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 21.37% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | ENVISION INSURANCE COMPANY | $655 | — | $655 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ENVISION INSURANCE COMPANY | $655 | — | $655 | 5.00% |
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 | 9,441 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 628 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,334 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,711 | $538K |
| Vision | VISION SERVICE PLAN | 5,752 | $1.0M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,701 | $2.6M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 92 | $21K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,432 | $1.1M |
| Prescription drug | ENVISION INSURANCE COMPANY | 245 | $13K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,701 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,701 | — |
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.