| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $60K | $12K | $72K | 7.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | PO BOX 905494 CHARLOTTE, NC 282905494 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 3.64% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DR. DEPT. 1926 NORTHERN TRUST BANK CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $628 | $628 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 10.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH CLIENT LIFE INS. SVCS. | WLOCKBOX-E2001-049-MARSH-DEPT6299 3440 FLAIR DRIVE EL MONTE, CA 917312823 | GLENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 5.41% |
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 | 1,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,840 | $11.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $36K |
| Vision | VISION SERVICE PLAN | 981 | $161K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,187 | $941K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,187 | $941K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,840 | $11.2M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 2,187 | $986K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,840 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.