| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | DELTA DENTAL OF VIRGINIA | $40K | $0 | $40K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $49K | $0 | $49K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $3K | $46K | 50.92% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | $0 | $236 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, LLC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20874 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $4K | $35K | 57.63% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, LLC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20874 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.10% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD, #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INS CO | $49K | $0 | $49K | 90.44% |
| PREPARE BENEFITS, LLC3 | 10524 MOSS PARK ROAD, #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INS CO | $36K | $0 | $36K | 70.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 11.02% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $452 | $452 | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $199 | $199 | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $202 | $2K | 27.34% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $105 | $0 | $105 | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, LLC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20874 | FIRST UNUM LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.67% |
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 | 2,071 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 91 | $639K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,174 | $401K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 995 | $63K |
| Life insurance(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 495 | $502K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 495 | $396K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 495 | $330K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 91 | $639K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 715 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,174 | — |
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.