| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $120K | — | $120K | 8.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | DEPT 3042 P.O. BOX 123042 DALLAS, TX 75312 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 1.60% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST SUITE 900 KANSAS CITY, MO 64112 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 6.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 3.99% |
| VARIOUS - SEE ATTACHED3 | — | HAUTEVILLE INSURANCE COMPANY LIMITED | $95K | $6K | $101K | 396.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (CANADA) LIMITED | — | INDUSTRIAL ALLIANCE INSURANCE AND FINANCIAL SERVICES INC. | $228 | — | $228 | 1.30% |
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 | 3,102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAUTEVILLE INSURANCE COMPANY LIMITED | 3 | $25K |
| Dental | HAUTEVILLE INSURANCE COMPANY LIMITED | 3 | $25K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,671 | $1.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,132 | $600K |
| Prescription drug | HAUTEVILLE INSURANCE COMPANY LIMITED | 3 | $25K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 3,498 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,132 | — |
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.