| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $5K | $24K | 6.04% |
| RISK CONSULTING PARTNERS LLC3 | 8181 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 4.85% |
| RISK CONSULTING PARTNERS LLC3 | 8181 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.55% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS, LLC | 8181 MARYLAND AVENUE SAINT LOUIS, MO 63105 | INDEPENDENCE BLUE CROSS | $14K | $0 | $14K | 15.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 310502 DESMOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 11.19% |
| JEREMY G ADAMS3 Filed as: JEREMY ADAMS | 6204 CLAYTON AVENUE SAINT LOUIS, MO 63139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | 0.34% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LANE SAINT ANN, MO 63074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | $0 | $173 | 0.34% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T. VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | $0 | $163 | 0.32% |
| BRIAN J. MURPHY3 | 2436 CRIPPLE CREEK DRIVE SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.18% |
| AMANDA J. SHELBY3 | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.50% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8181 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MO 63105 | VISION SERVICE PLAN | $479 | $0 | $479 | 1.43% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 723 | $96K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $246K |
| Vision | VISION SERVICE PLAN | 351 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $393K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $393K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $393K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 723 | $96K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 626 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.