| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. PHX | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 0.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. PHX | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. PHX | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.67% |
| BENEFIT INTELLIGENCE INC3 Filed as: BENEFIT INTELLIGENCE-GMI, INC. | 4862 E BASELINE RD STE 101 MESA, AZ 85206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $469 | $9K | 3.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $305 | $7K | 2.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $213 | — | $213 | 0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. PHX | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $682 | $682 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 2325 EAST CAMELBACK ROAD, SUITE 600 PHOENIX, AZ 85014 | JORGENSEN HEALTHCARE ASSOCIATES INC., DBA JORGENSEN BROOKS GROUP | — | $4K | $4K | 10.00% |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $82K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $472K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $292K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $352K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,031 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.