| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI-0038373 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 10.00% |
| CGI-0028883 Filed as: CGI-003838 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.75% |
| CGI-0028883 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $187 | $187 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 1.47% |
| CGI-0038373 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| CGI-0028883 Filed as: CGI-003838 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | $0 | $177 | 0.75% |
| CGI-0028883 | MERCER HEALTH AND BENEFITS 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12 | $12 | 0.05% |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 690 | $10.9M |
| Dental | DELTA DENTAL OF IOWA | 747 | $476K |
| Vision | VISION SERVICE PLAN | 731 | $119K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 820 | $231K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 818 | $24K |
| Other | CDS GLOBAL, INC. | 758 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.