| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 3.09% |
| RUSSELL EDWARD KLINGMAN3 | 9621 MARSHA DRIVE RIVER RIDGE, LA 70123 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.81% |
| RUSSELL EDWARD KLINGMAN3 | 9621 MARSHA DR. RIVER RIDGE, LA 70123 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.81% |
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INS SERVS INC | 4041 ESSEN LN STE 400 BATON ROUGE, LA 708097318 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $0 | $441 | $441 | 1.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BUSINESS LEGACY MANAGEMENT, LLC EIN 83-0445255 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $184K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $61K |
| SANDRA'S CREATIONS EIN 72-1615670 BENEFITS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $42K |
| LTD CONSULTING, LLC EIN 11-3373840 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $36K |
| KLINGMAN CONSULTING, LLC EIN 82-1625902 BENEFIT CONSULTING | Consulting (general) Service code 16 | — | $23K |
| MERCER HUMAN RESOURCES CONSULT. LLC EIN 13-2834414 BENEFIT CONSULT ACTUARY | Consulting (general); Actuarial Service code 11 | — | $22K |
| CLESI BURNS, LLC EIN 27-1411809 ACTUARY | Actuarial Service code 11 | — | $21K |
| HUNTER-MICHAEL INVST. ADVISORS, INC EIN 54-1870462 INVESTMENT ADVISOR | Investment advisory (plan) Service code 27 | — | $18K |
| STEPHEN C. HIMEL, CPA, LLC EIN 20-8410792 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
| AGINCOURT CAPITAL MANAGEMENT, LLC EIN 54-1947440 INVESTMENT MANAGER | Investment management Service code 28 | — | $11K |
| THE WAGNER GROUP EIN 04-3323315 LEGAL | Legal Service code 29 | — | $10K |
| CAPITAL ONE, NA EIN 72-0210640 CUSTODIAN | Custodial (securities); Account maintenance fees; Distribution (12b-1) fees Service code 19 | — | $4K |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 26 | $285K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $198K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 323 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.