| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CARE NETWORK OF MICHIGAN | $138K | $5K | $143K | 2.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $41K | $105K | 6.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $17K | $33K | 4.64% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $2K | $0 | $2K | 0.33% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $221K | $0 | $221K | 35.15% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115K | $11K | $126K | 22.25% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89K | $6K | $95K | 31.31% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY PO BOX 6718 SOMERSET, NJ 08875 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46K | $5K | $51K | 18.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET ST SUITE 1800 SAINT LOUIS, MO 631012617 | ZURICH AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 19.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | EYEMED VISION CARE | $29 | $0 | $29 | 0.17% |
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 | 4,211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 573 | $5.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,008 | $662K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,953 | $2.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,953 | $709K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 573 | $5.2M |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,993 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,993 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.