| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 15 WEST SOUTH TEMPLE, SUITE 700 SALT LAKE CITY, UT 84101 | AETNA LIFE INSURANCE COMPANY | — | $173 | $173 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64106 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 21.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AT WORK SOLUTIONS | PO BOX 14014 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $340 | $340 | 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 | 1,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 1,765 | $8.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 1,899 | $389K |
| Vision | HIGHMARK | 1,765 | $8.2M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,262 | $661K |
| Short-term disability(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,262 | $791K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,262 | $661K |
| Prescription drug | HIGHMARK | 1,765 | $8.2M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,262 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,899 | — |
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.