| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238K | $0 | $238K | 7.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $0 | $16K | 0.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PARKWAY SUITE 700 ATLANTA, GA 30338 | AMERITAS LIFE INSURANCE CORPORATION | $69K | $0 | $69K | 9.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3560 LENOX ROAD NE SUITE 2400 ATLANTA, GA 30326 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $0 | $7K | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 WEST MAIN STREET SUITE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $1K | $1K | 0.17% |
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 | 5,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 9,559 | $718K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,051 | $3.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,051 | $3.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,051 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,559 | — |
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."
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.