| 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 | AETNA LIFE INSURANCE CO. | $12K | $14K | $26K | 7.46% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 7.60% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 8.01% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 Filed as: PLANSOURCE BENEFITS ADMINISTATION, | PO BOX 1313 ORLANDO, FL 32802 | ARAG INSURANCE COMPANY | — | $525 | $525 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $299 | $2K | 7.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $209 | $1K | 7.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $744 | $222 | $966 | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER MANAGEMENT SERV | 500 N BRAND BLVD SUITE 100 GLRNDALE, CA 91203 | FEDERAL INSURANCE COMPANY | $936 | — | $936 | 15.00% |
| GA SOLUTIONS LLC3 | 311 CLOCKTOWER COMMONS BREWSTER, NY 10509 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $855 | — | $855 | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $217 | — | $217 | 23.06% |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,111 | $355K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 671 | $45K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 706 | $122K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $200K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $99K |
| Other(8 contracts, 3 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 750 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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.