| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $78K | $31K | $110K | 12.94% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $54K | $12K | $66K | 8.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $33K | $33K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $14K | $14K | 1.70% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $52K | $12K | $64K | 13.25% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | PO BOX 310411 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | -$4K | $5K | $827 | 0.17% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $16K | $58K | 12.99% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $16K | $56K | 12.93% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161K | — | $161K | 37.99% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $9K | $34K | 9.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13K | $13K | 3.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $6K | $6K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN. LLC | P.O. BOX 850502 MINNEAPOLIS, MN 55485 | GENWORTH LIFE INSURANCE COMPANY | $27K | — | $27K | 11.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | GENWORTH LIFE INSURANCE COMPANY | $10K | — | $10K | 10.10% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | PO BOX 850411 MINNEAPOLIS, MN 554850411 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 1.79% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $180 | $2K | 8.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $797 | $797 | 2.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $389 | $389 | 1.43% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $169 | $1K | 6.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 6.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $168 | $168 | 0.83% |
| ZURICH AGENCY SERVICES3 Filed as: ZURICH AGENCY SERVICES INC. | 7045 COLLEGE BLVD OVERLAND PARK, KS 662111523 | ZURICH AMERICAN INSURANCE COMPANY | $372 | — | $372 | 3.00% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $82 | $23 | $105 | 4.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $84 | $84 | 3.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $76 | $76 | 3.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $131 | $131 | 6.80% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 2.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13 | $13 | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 11,939 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $3.0M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,226 | $1.7M |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | 23,248 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,702 | $9.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 158 | $23K |
| Long-term disability(8 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 512 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.3M |
| Other(14 contracts, 9 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 31,823 | $14.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,823 | — |
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."
No prospect flags tripped on this filing.