| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $116 | $7K | 0.14% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING IN | 50 BORADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 2.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.48% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $892 | $892 | 1.28% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | 600 SYLVAN AVENUE, STE 301 ENGLEWOOD CLIFFS, NJ 07632 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $806 | $3K | 5.35% |
| PROFRESSIONAL GROUP MARKETING INC3 | 50 BORADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | 600 SYLVAN AVENUE, STE 301 ENGLEWOOD CLIFFS, NJ 07632 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $388 | $2K | 7.56% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $726 | $726 | 2.79% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 348 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 348 | $5.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 348 | $5.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 329 | $70K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 329 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.