| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $90K | $90K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | RELIASTAR LIFE INSURANCE COMPANY | $55K | $0 | $55K | 7.72% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY | 5 COWBOYS WAY, SUITE 3001 FRISCO, TX 75034 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $0 | $15K | 2.04% |
| BENE RE LLC3 | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.63% |
| JAMES H. VAN EPPS3 Filed as: JAMES VAN EPPS | 10920 CRABAPPLE ROAD, SUITE 206 ROSWELL, GA 30075 | RELIASTAR LIFE INSURANCE COMPANY | $989 | $0 | $989 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 17.55% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | -$3K | $0 | -$3K | -1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $11K | $2K | $12K | 12.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | BEAZLEY INSURANCE COMPANY, INC. | $1K | $0 | $1K | 15.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AMALGAMATED LIFE INSURANCE COMPANY | $25 | $0 | $25 | 15.15% |
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 | 4,927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 248 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 169 | $203K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 846 | $364K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 156 | $0 |
| Life insurance(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,688 | $3.2M |
| Short-term disability(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,688 | $3.2M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,688 | $3.2M |
| Prescription drug(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 169 | $203K |
| Other(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,688 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,688 | — |
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.