| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEAR PARK, IL 60010 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 1.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81K | — | $81K | 25.03% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 30.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | CORPORATE LOCK BOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42K | — | $42K | 81.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 15 WEST SOUTH TEMPLE STE 700 SALT LAKE CITY, UT 84101 | LLOYDS OF LONDON | $6K | — | $6K | 16.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 41.25% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | SUN LIFE ASSURANCE COMPANY OF C A | $4K | — | $4K | 30.64% |
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 | 1,712 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,844 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $408K |
| Vision | VISION SERVICE PLAN | 1,178 | $236K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 172 | $357K |
| Long-term disability(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 172 | $2.2M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.