| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $37K | — | $37K | 5.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $34K | — | $34K | 4.81% |
| RYAN BENEFITS INC3 | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | SYMETRA LIFE INSURANCE COMPANY | $23K | $15K | $38K | 7.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE #1100 IRVINE, CA 92614 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 1.75% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | VISION SERVICE PLAN | $811 | — | $811 | 0.74% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, LLC | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3 | $5K | 13.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $597 | $49 | $646 | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60 | $60 | 0.16% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3 | $2K | 7.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $169 | $49 | $218 | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.16% |
| ITG WORLDWIDE INSURANCE AGENCY3 | 6600 UNIVERSITY AVE DES MOINES, IA 50324 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 17.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $592 | — | $592 | 6.10% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS INC. | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 75093 | HYATT LEGAL PLANS | $554 | — | $554 | 5.71% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $37K |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 866 | $706K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,805 | $127K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,003 | $502K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,003 | $502K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,003 | $502K |
| Other(5 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 2,339 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,339 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.