| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $123K | — | $123K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $329K | $37K | $367K | 12.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $242K | $27K | $269K | 12.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $37K | — | $37K | 5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | UNUM INSURANCE COMPANY | $86K | $11K | $96K | 22.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | UNUM INSURANCE COMPANY | $117K | $7K | $124K | 31.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | UNUM INSURANCE COMPANY | $108K | $5K | $112K | 33.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57K | $5K | $62K | 28.74% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $60K | $60K | 28.02% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60K | $60K | 44.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $1K | $24K | 17.64% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER INC | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | FIRST UNUM LIFE INSURANCE COMPANY | — | $60K | $60K | 105.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 16.36% |
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 | 7,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,039 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 8,438 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 11,538 | $4.1M |
| Vision | AETNA LIFE INSURANCE CO. | 7,720 | $741K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,081 | $3.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,128 | $2.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,128 | $2.2M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 54 | $349K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,438 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,538 | — |
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.