| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183K | $53K | $235K | 6.44% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $35K | — | $35K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - DEN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $117K | $5K | $122K | 28.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $22K | $2K | $24K | 5.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $5K | — | $5K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $55K | $1K | $56K | 56.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $1K | $63 | $1K | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PHILADELPHIA 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $728 | $11K | 13.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | MARSH AT WORK SOLUTIONS PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 0.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | MARSH AT WORK SOLUTIONS PO BOX 10414 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $21 | $21 | 0.03% |
| EMPLOYEE CHOICE SOLUTIONS3 | 2200 S MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 21.60% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SALT LAKE CITY, UT 84115 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $935 | — | $935 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -DEN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $135 | $135 | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PHILADELPHIA 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $804 | — | $804 | 12.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - | PHILADELPHIA 4565 PAYSHPERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | — | $393 | 7.88% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 163 | $1.2M |
| Dental | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 157 | $107K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 157 | $19K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $3.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 391 | $122K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 16 | $9K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,378 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,378 | — |
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.