| 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 | $221K | $25K | $245K | 10.04% |
| ALTERITY GROUP3 | 521 FIFTH AVENUE 15TH FLOOR NEW YORK, NC 10175 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $45K | — | $45K | 1.83% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151K | — | $151K | 8.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151K | — | $151K | 8.74% |
| WINSTON FINANCIAL SERVICES3 | 2399 HWY 34 SOUTH UNIT C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 1.06% |
| 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 | $14K | — | $14K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BNFT ADV LLC | 75 STATE STREET SUITE 1710 BOSTON, MA 02109 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 0.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $17K | $17K | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $24K | — | $24K | 2.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONWIDE | $37K | — | $37K | 9.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $19K | — | $19K | 8.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | ARAG INSURANCE COMPANY | $4K | — | $4K | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALADANA | PO BOX 9023549 SAN JUAN, PA 009023549 | TRIPLE S SALUD, INC. | $2K | — | $2K | 4.58% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON GROUP | 270 AV LUIS MUNOZ RIVERA SAN JUAN, PR 00919 | TRIPLE S SALUD, INC. | $166 | — | $166 | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 6.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONWIDE | $762 | — | $762 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CRUM & FORSTER | $171 | — | $171 | 9.00% |
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 | 14,779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 118 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 852 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE | 316 | $447K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,357 | $454K |
| Vision | VISION SERVICE PLAN | 5,889 | $1.1M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,132 | $2.4M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 151 | $27K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 8,514 | $1.6M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 64 | $55K |
| Other(6 contracts, 6 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 21,643 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,643 | — |
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.