| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: RCP, ALERA GROUP, LLC | 8182 MARYLAND AVENUE SAINT LOUIS, MD 63105 | INDEPENDENCE BLUE CROSS | $32K | — | $32K | 0.89% |
| GCG FINANCIAL LLC3 Filed as: RCP | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MD 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 5.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 3.91% |
| GCG FINANCIAL LLC3 Filed as: RCP | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MD 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 5.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 2.09% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MD 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 8.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.81% |
| JUDITH GREER LAHAY3 | 11026 SAINT AMBROSE LANE SAINT ANN, MO 63074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $306 | — | $306 | 0.51% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY T. VANDEGRIFFE | 17934 HOMESTEAD BLUFFS DRIVE WILDWOOD, MO 63005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.33% |
| JEREMY G ADAMS3 Filed as: JEREMY ADAMS | 6204 CLAYTON AVENUE SAINT LOUIS, MO 63139 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.30% |
| BRYAN MURPHY3 Filed as: BRYAN J. MURPHY | 2436 CRIPPLE CREEK DRIVE SAINT LOUIS, MO 63129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 10414 DES MOINES, IA 50306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.11% |
| AMANDA J. SHELBY3 | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: RCP | 8182 MARYLAND AVENUE, SUITE 250 SAINT LOUIS, MD 63105 | VISION SERVICE PLAN | $1K | — | $1K | 3.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $661 | — | $661 | 1.86% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 616 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $247K |
| Vision | VISION SERVICE PLAN | 307 | $36K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $505K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $505K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $505K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 616 | $3.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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.