| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 6.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.00% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 11.31% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 8.70% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | METLIFE LEGAL PLANS, INC. | $799 | — | $799 | 5.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $612 | $45 | $657 | 4.62% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 77002 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | — | $562 | 6.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | $24 | $52 | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.08% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER ST. HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 1103.83% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $215 | — | $215 | 47.36% |
| MID-CONTINENT COMPANIES3 | 1218 WEBSTER STREET HOUSTON, TX 77002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$11K | — | -$11K | — |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $8K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $557K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $557K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 578 | $311K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 578 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 578 | $127K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS, INC. | 578 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.