| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $8 | $8 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 5.00% |
| SANDRA L RICCIO3 | 3 MARCUS BLVD SUITE 205 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $33K | — | $33K | 3.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | — | $47K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 8.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42103 | PARAMOUNT DENTAL | $6K | — | $6K | 5.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $9K | $478 | $10K | 10.54% |
| SANDRA L RICCIO3 | 3 MARCUS BLVD SUITE 205 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $4K | — | $4K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $348 | $10K | 15.53% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $452 | $452 | 0.69% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 14.13% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $348 | $6K | 15.91% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $254 | $254 | 0.67% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $272 | $4K | 10.24% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | $140 | $5K | 16.81% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $348 | $3K | 16.75% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $124 | $124 | 0.62% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER RD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $138 | $3K | 15.75% |
| 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 | $383 | — | $383 | 3.02% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.19% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER RD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $92 | $2K | 15.74% |
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 | 3,617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,250 | $7.4M |
| Dental(4 contracts, 4 carriers) | PARAMOUNT DENTAL | 352 | $376K |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 3,454 | $822K |
| Life insurance(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,497 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,218 | $627K |
| Long-term disability(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,888 | $424K |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,250 | $7.3M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,603 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,603 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.