| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTERITY GROUP3 | 521 FIFTH AVENUE 15TH FLOOR NEW YORK, NC 10175 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $136K | — | $136K | 6.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $113K | — | $113K | 4.99% |
| 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 | — | $35K | $35K | 1.56% |
| WINSTON FINANCIAL SERVICES3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130K | — | $130K | 7.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74K | — | $74K | 4.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56K | — | $56K | 3.24% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $17K | — | $17K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $53K | — | $53K | 5.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 521 FIFTH AVENUE NEW YORK, NY 10175 | NATIONWIDE | $24K | — | $24K | 6.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONWIDE | $11K | — | $11K | 2.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 3.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ARAG INSURANCE COMPANY | $9K | — | $9K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 144 TURNPIKE RD SUITE 330 SOUTHBOROUGH, MA 01772 | ARAG INSURANCE COMPANY | $9K | — | $9K | 4.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 2.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALADANA | PO BOX 9023549 SAN JUAN, PA 009023549 | TRIPLE S SALUD, INC. | $1K | — | $1K | 2.64% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON GROUP | 270 AV LUIS MUNOZ RIVERA SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $994 | — | $994 | 2.36% |
| PACIFIC RESRC BNFT ADVSRS LLC3 | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 14.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 521 FIFTH AVENUE NEW YORK, NC 10175 | ENVISION INSURANCE COMPANY | $580 | — | $580 | 3.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ENVISION INSURANCE COMPANY | $263 | — | $263 | 1.56% |
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 | 17,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE | 382 | $428K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,725 | $500K |
| Vision | VISION SERVICE PLAN | 5,665 | $920K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 11,033 | $2.3M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 149 | $23K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,212 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 105 | $59K |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 17,658 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,658 | — |
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.