| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $134K | $0 | $134K | 5.00% |
| SANDRA L RICCIO3 | 3 MARCUS BOULEVARD SUITE 205 ALBANY, NY 12205 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $30K | $0 | $30K | 3.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $0 | $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 | $28K | $0 | $28K | 8.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42103 | PARAMOUNT DENTAL | $6K | $0 | $6K | 5.00% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SOUTHWEST GRAND RAPIDS, MI 49503 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $10K | $0 | $10K | 10.96% |
| SANDRA L RICCIO3 | 3 MARCUS BOULEVARD SUITE 205 ALBANY, NY 12205 | DELTA DENTAL OF NEW YORK | $3K | $0 | $3K | 5.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.50% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 15.82% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $857 | $6K | 17.64% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.16% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $447 | $3K | 17.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN DEALER SERVICES, INC | P O BOX 23410 LOUISVILLE, KY 40232 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $355 | $0 | $355 | 2.67% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42104 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | SUITE 5000 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.10% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SOUTHWEST GRAND RAPIDS, MI 49503 | GREATER GEORGIA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.06% |
| C.E.S. INSURANCE AGENCY3 | 29 SAWYER ROAD WALTHAM, MA 02453 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 2,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,160 | $5.8M |
| Dental(5 contracts, 5 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 6,072 | $3.0M |
| Vision(3 contracts, 3 carriers) | VISION SERVICE PLAN | 2,809 | $776K |
| Life insurance(8 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,939 | $2.9M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,939 | $624K |
| Long-term disability(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,939 | $1.0M |
| Prescription drug(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 3,160 | $5.8M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,203 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.