| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | — | $56K | 5.00% |
| SANDRA L RICCIO3 | 3 MARCUS BLVD SUITE 205 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $24K | — | $24K | 2.78% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J. MARINO | 3 MARCUS BOULEVARD SUITE 205 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $12K | — | $12K | 1.45% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVENUE NEW BERLIN, WA 53151 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $38K | $3K | $41K | 6.05% |
| HOCK & ASSOCIATES INC.3 Filed as: HOCK GROUP INC | 3550 STEVENS WAY AUGUSTA, GA 30907 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $11 | — | $11 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | — | $42K | 8.00% |
| GREGORY CLEMONS3 | 500 WEST 13TH STREET FORT WORTH, TX 76102 | UNITED HEALTHCARE SERVICES, INC. | $19K | — | $19K | 6.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 8.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42103 | HEALTH RESOURCES, INC | $6K | — | $6K | 5.00% |
| WAYNE ZUCKERMAN3 | 18062 IRVINE BLVD SUITE 305 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.94% |
| SANDRA L RICCIO3 | 3 MARCUS BLVD SUITE 205 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 3.70% |
| NICHOLAS J. MARINO & CO.3 Filed as: NICHOLAS J MARION & COMPANY | 3 MARCUS BOULEVARD SUITE 205 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 1.30% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 20.30% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST SUITE 200 FT WORTH, TX 76102 | AMERITAS LIFE INSURANCE CORP | $6K | — | $6K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP | $3K | $1K | $4K | 7.36% |
| OPTIBEN LLC3 | 377 HWY 21 MADISONVILLE, LA 70447 | KEMPER BENEFITS | $20K | — | $20K | 39.34% |
| KEMPER BENEFITS3 | P.O. BOX 9988 AUSTIN, TX 78766 | KEMPER BENEFITS | — | $497 | $497 | 0.96% |
| WAYNE ZUCKERMAN3 | 18062 IRVINE BLVD SUITE 305 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 3.10% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVENUE NEW BERLIN, WI 53151 | GREATER GEORGIA LIFE INSURANCE COMPANY | $6K | $305 | $6K | 13.81% |
| HOCK & ASSOCIATES INC.3 Filed as: HOCK GROUP INC | 3550 STEVENS WAY AUGUSTA, GA 30907 | GREATER GEORGIA LIFE INSURANCE COMPANY | -$7 | — | -$7 | -0.02% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.43% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.11% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER RD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY | PO BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $725 | — | $725 | 4.57% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $14 | $219 | 1.38% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: ASSURED NL, LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HWY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.06% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER RD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $855 | $2K | 24.96% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $738 | $48 | $786 | 10.65% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH ST FORT WORTH, TX 76102 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $287 | — | $287 | 15.02% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $96 | $96 | 5.02% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42103 | HEALTH RESOURCES, INC. | $46 | — | $46 | 4.95% |
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 | 3,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 718 | $7.1M |
| Dental(6 contracts, 5 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 340 | $1.0M |
| Vision(4 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 2,803 | $1.3M |
| Life insurance(9 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,558 | $1.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,321 | $519K |
| Long-term disability(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,745 | $355K |
| Prescription drug(9 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 718 | $6.4M |
| Other(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,575 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,575 | — |
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."
No prospect flags tripped on this filing.