| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS, LLC | 333 S 7TH ST STE 1400 MINNEAPOLIS, MN 554022427 | BCS INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 333 S 7TH ST STE 1400 MINNEAPOLIS, MN 554022427 | SYMETRA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 12.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $2K | — | $2K | 2.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE STE 1500 CHICAGO, IL 606061710 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFITS ADMINSTRATORS NONE | Claims processing Service code 12 | P.O. BOX 4687 OAK BROOK, IL 605224687 | $537K |
| BLUE CROSS BLUE SHIELD NONE | Claims processing Service code 12 | 225 NORTH MICHIGAN AVENUE CHICAGO, IL 60601 | $175K |
| MERCER EIN 13-3109248 NONE | Claims processing Service code 12 | 2610 NORTHGATE DRIVE IOWA CITY, IA 52245 | $101K |
| HOUSING SOLUTIONS ALLIANCE NONE | Plan Administrator Service code 14 | P.O. BOX 541628 DALLAS, TX 75354 | $64K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Plan Administrator Service code 14 | 6701 HIGHWAY BLVD 212 KATY, TX 77494 | $45K |
| METCALF DAVIS, CPAS EIN 58-1729751 NONE | Accounting (including auditing) Service code 10 | 3340 PEACHTREE ROAD SUITE 2600 ATLANTA, GA 30326 | $39K |
| US BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 2204 LAKESHORE DRIVE, SUITE 302 HOMEWOOD, AL 35209 | $37K |
| MZQ CONSULTING LLC NONE | Consulting (general) Service code 16 | 1700 REISTERSTOWN RD, SUITE 226 PIKESVILLE, MD 21208 | $30K |
| MAHER, ROSENHEIM, COMFORT, & TABASH EIN 43-1592202 NONE | Consulting (general) Service code 16 | 230 S. BEMISTON, SUITE 900 BEMISTON, MO 63105 | $22K |
| WELLS FARGO INSURANCE SERVICES EIN 56-1882208 NONE | Consulting (general) Service code 16 | 1401 S. BRENTWOOD BLVD, SUITE 625 SAINT LOUIS, MO 63144 | $21K |
| MARSH EIN 36-2668272 NONE | Claims processing Service code 12 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10011 | $12K |
| HALL BENEFITS LAW, LLC NONE | Legal Service code 29 | 270 CARPENTER DRIVE, NE ATLANTA, GA 30328 | $7K |
| FINANCIAL RISK ANALYSTS, LLC NONE | Actuarial Service code 11 | 706 NORTHEAST DRIVE, SUITE 4 DAVIDSON, NC 28036 | $6K |
| FRANK WILSON NONE | Consulting (general) Service code 16 | 700 SOUTH MISSISSIPPI ADA, OK 74820 | $5K |
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 | 1,931 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 121 | $13K |
| Vision | VISION SERVICE PLAN | 765 | $85K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,201 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 267 | $121K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 1,709 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,709 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.