| 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 | $6K | $688 | $7K | 11.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.42% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 225 N 9TH STREET, SUITE 410 BOISE, ID 83702 | STANDARD INSURANCE COMPANY | $887 | — | $887 | 2.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.37% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 225 N 9TH STREET SUITE 410 BOISE, ID 83702 | STANDARD INSURANCE COMPANY | $631 | — | $631 | 2.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.84% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 225 N 9TH STREET SUITE 410 BOISE, ID 83702 | STANDARD INSURANCE COMPANY | $603 | — | $603 | 2.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BNFTS ADMIN LLC | ONE UNIVERSITY SQUARE DR, STE 100 PRINCETON, NJ 08540 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 21.40% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 225 N 9TH STREET SUITE 410 BOISE, ID 83702 | STANDARD INSURANCE COMPANY | $336 | — | $336 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $2K | — | $2K | 15.07% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 11 | $84K |
| Dental | DELTA DENTAL OF MISSOURI | 273 | $64K |
| Vision | EYEMED VISION CARE | 264 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $43K |
| Long-term disability | STANDARD INSURANCE COMPANY | 76 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.