| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 3.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $657 | $3K | 23.50% |
| ONE80 INTERMEDIARIES INC3 | 7804 FAIRVIEW ROAD, SUITE 266 CHARLOTTE, NC 28226 | METROPOLITAN LIFE INSURANCE COMPANY | $682 | $0 | $682 | 6.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 221 NORTH WALL STREET, SUITE 224 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $255 | $0 | $255 | 2.27% |
| VANBRIDGE LLC3 Filed as: VANBRIDGE, LLC | PO BOX 734174 CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $191 | $0 | $191 | 1.70% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | $0 | $182 | 1.62% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES, LLC | 100 WOOD AVENUE SOUTH, FLOOR 4 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $544 | $0 | $544 | 9.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$64 | $0 | -$64 | -1.08% |
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 | 1,371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,083 | $227K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,383 | $950K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,383 | $950K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,383 | $939K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,383 | $939K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,083 | — |
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.