| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $64K | — | $64K | 3.97% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 1.34% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 0.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 3.98% |
| AON CONSULTING INC3 | 3565 PIEDMONT RD NE STE 600 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 1.40% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 7.91% |
| AON CONSULTING INC3 | BLDG C STE 360 13901 SUTTON PARK DR S JACKSONVILLE, FL 32224 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 4.02% |
| AON CONSULTING INC3 | SUITE 525 5 TRIAD CTR SALT LAKE CITY, UT 84180 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.75% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.74% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.83% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | COMBINED INSURANCE COMPANY OF AMERICA | $959 | — | $959 | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 23.15% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $6K | $38K | 21.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.47% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $978 | — | $978 | 1.14% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | COMBINED INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.07% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $964 | — | $964 | 1.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.50% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $408 | — | $408 | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 19.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 3.19% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 2.75% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 1.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 3.88% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 2.26% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 3.42% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | COMBINED INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 4.03% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | COMBINED INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 1.61% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.81% |
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 | 6,585 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $403K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 37 | $227K |
| Vision(14 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 3,554 | $694K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,542 | $1.8M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,955 | $455K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,017 | $648K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 6,586 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,586 | — |
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.