| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $117K | $0 | $117K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321K | $36K | $357K | 12.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223K | $25K | $248K | 12.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $35K | $0 | $35K | 5.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $91K | $6K | $97K | 21.25% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | UNUM INSURANCE COMPANY | $0 | $35K | $35K | 7.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $51K | $5K | $56K | 16.77% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | UNUM INSURANCE COMPANY | $0 | $25K | $25K | 7.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $49K | $4K | $52K | 21.32% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | UNUM INSURANCE COMPANY | $0 | $18K | $18K | 7.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $0 | $34K | 17.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 10414 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 1.82% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER, INC. | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $22K | $22K | 53.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, IA 55485 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.54% |
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 | 7,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 150 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ARMADACARE | 48 | $885K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 10,356 | $3.9M |
| Vision | AETNA LIFE INSURANCE CO. | 6,980 | $703K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,088 | $3.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,658 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,658 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | ARMADACARE | 48 | $885K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 7,088 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,356 | — |
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.