| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA HEALTH PLAN, INC. | $10K | $0 | $10K | 1.67% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | OPTIMA HEALTH PLAN | $2K | $0 | $2K | 2.92% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $95 | $5K | 8.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | $20 | $93 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE DENTAL CONCERN, INC. | $2K | $0 | $2K | 5.23% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | OPTIMA HEALTH PLAN | $2K | $0 | $2K | 6.78% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KANAWHA INSURANCE COMPANY | $134 | $0 | $134 | 279.17% |
| HUMANA MARKETPOINT INC3 Filed as: HUMANA MARKETPOINT INC. | 500 WEST MAIN, NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $45 | $0 | $45 | 93.75% |
| PAULINE F. RODRIGUEZ3 | 10000 MEMORIALS DRIVE, SUITE 800 HOUSTON, TX 77024 | KANAWHA INSURANCE COMPANY | $27 | $0 | $27 | 56.25% |
| THE FARMINTON CO3 | PO BOX 527 FARMINGTON, CT 06034 | KANAWHA INSURANCE COMPANY | $5 | $0 | $5 | 10.42% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | HUMANA HEALTH PLAN, INC. | 266 | $708K |
| Dental | THE DENTAL CONCERN, INC. | 65 | $39K |
| Vision(2 contracts, 2 carriers) | THE DENTAL CONCERN, INC. | 241 | $57K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $57K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 266 | $48 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $57K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 266 | $649K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.