| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $20K | $20K | 2.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $292 | $292 | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $206 | $3K | 16.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $575 | $0 | $575 | 8.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $109 | $109 | 1.70% |
| JUDE M MONTOYA3 Filed as: JUDE M. MONTOYA AND OTHER AGENTS | 6565 AMERICAS PARKWAY NE SUITE 115 ALBUQUERQUE, NM 87110 | AFLAC | $124 | $0 | $124 | 2.34% |
| NANCY H. HUGHES3 | 9200 MONTGOMERY BOULEVARD NE SUITE B ALBUQUERQUE, NM 87111 | AFLAC | $119 | $0 | $119 | 2.24% |
| DAVID JOSHUA ABDELAZIZ3 | 238 RIDGE BLUFF CIBOLO, TX 78108 | AFLAC | $78 | $0 | $78 | 1.47% |
| KIMBERLY SCOTT3 | 6465 CLEARWATER DRIVE LOVELAND, CO 80538 | AFLAC | $48 | $0 | $48 | 0.91% |
| ANTHONY P. GARCIA3 | 9200 MONTGOMERY BOULEVARD NE SUITE B ALBUQUERQUE, NM 87111 | AFLAC | $44 | $0 | $44 | 0.83% |
| WILLIAM A. HUGHES3 | 2833 PEBBLE BEACH DRIVE EVERGREEN, CO 80439 | AFLAC | $30 | $0 | $30 | 0.57% |
| EZEQUIEL BUCCI TORRES3 | 14901 EAST 44TH STREET SOUTH INDEPENDENCE, MO 64055 | AFLAC | $23 | $0 | $23 | 0.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $33 | $33 | 1.38% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $864K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 110 | $44K |
| Vision | VISION SERVICE PLAN | 44 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $864K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.