| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $43K | — | $43K | 5.34% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $14K | $13K | $27K | 3.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $26K | — | $26K | 5.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | $8K | $16K | 3.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 0.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $11K | — | $11K | 5.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | $3K | $7K | 3.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE 1432 CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $704 | $704 | 0.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 641121906 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $613 | — | $613 | 0.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON SPECIALTIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $304 | $304 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 8.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $702 | — | $702 | 0.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $345 | — | $345 | 0.45% |
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 | 1,820 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 257 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,861 | $796K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 1,820 | $475K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 835 | $211K |
| Other(4 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,595 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,861 | — |
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.