| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $3K | $92K | 55.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $213 | $213 | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.04% |
| MARNITZ & ASSOCIATES INS INC4 | 1068 WELLINGTON WAY LEXINGTON, KY 40513 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | — | $10K | 13.43% |
| STEPHANIE BOLEY4 | 611 FOUR WINDS DR RICHMOND, KY 40475 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $498 | — | $498 | 0.65% |
| KNAB CONSULTING GROUP LLC4 | 210 S RANGE AVE DENHAM SPRINGS, LA 70726 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $16 | — | $16 | 0.02% |
| MARTIN L. WATKINS4 Filed as: MARTIN WATKINS | 5613 DOUBS RD ADAMSTOWN, MD 21710 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $16 | — | $16 | 0.02% |
| MICHAEL S SCHWARTZ4 | 34 DRYDEN RD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $11 | — | $11 | 0.01% |
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 | 4,522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 556 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $836K |
| Vision | VISION SERVICE PLAN | 3,066 | $543K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,596 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,596 | $1.6M |
| Prescription drug | INDEPENDENCE BLUE CROSS-KEYSTONE | 22 | $66K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,596 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,596 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.