| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC | MERCER HEALTH AND BENEFIT SERV CHICAGO, IL 60674 | DELTA DENTAL OF MISSOURI | $5K | — | $5K | 7.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.36% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD #300 ORLANDO, FL 32819 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $604 | — | $604 | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.29% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD #300 ORLANDO, FL 32819 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 6.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $493 | — | $493 | 1.46% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD #300 ORLANDO, FL 32819 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 8.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $450 | — | $450 | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3K | — | $3K | 13.76% |
| CERTIFIED PROCESSING CORP3 Filed as: CERTIFIED PROCESSING CORPORATION | 9201 WATSON ROAD ST. LOUIS, MO 63126 | EYEMED VISION CARE | $203 | — | $203 | 1.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 19.96% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 W SAND LAKE RD #300 ORLANDO, FL 32819 | STANDARD INSURANCE COMPANY | — | $708 | $708 | 3.98% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 8 | $66K |
| Dental | DELTA DENTAL OF MISSOURI | 321 | $68K |
| Vision | EYEMED VISION CARE | 330 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 199 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.