| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $2K | $49K | 15.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $2K | $39K | 15.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $1K | $26K | 15.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $13K | $0 | $13K | 10.10% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $10K | $0 | $10K | 10.00% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $23K | $0 | $23K | 38.51% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $6K | $0 | $6K | 17.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $183 | $4K | 15.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $169 | $4K | 15.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $961 | $55 | $1K | 15.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE | PO BOX 101162 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $56 | $56 | 0.87% |
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 | 3,474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 966 | $129K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 671 | $371K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 442 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $308K |
| Other(6 contracts, 4 carriers) | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 3,601 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,601 | — |
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.