| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 7.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 6.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.49% |
| BENEFIT HARBOR INSURANCE SERVICES3 | 5445 LEGACY DRIVE SUITE 250 DALLAS, TX 75024 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $112K | — | $112K | 50.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | $263 | — | $263 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 6.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 8.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $6K | — | $6K | 5.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29484 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $5K | — | $5K | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $616 | $2K | 5.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $909 | — | $909 | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $622 | $275 | $897 | 5.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 W BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $407 | — | $407 | 2.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 29.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC. | 4211 S BOY SCOUT BLVD. SUITE 1000 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $668 | — | $668 | 18.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 29848 NETWORK PLACE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | $317 | -$865 | -23.61% |
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 | 3,522 | 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) | 3,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 208 | $221K |
| Vision | VISION SERVICE PLAN | 826 | $104K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 740 | $140K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 661 | $255K |
| Prescription drug | RESERVE NATIONAL INSURANCE COMPANY DBA KEMPER BENEFITS | 208 | $221K |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,766 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,766 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.