| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HR CONSULTING INC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.25% |
| LISA L BASS4 Filed as: LISA BASS HUGHES | 16973 BRIDGETON LANE HUNTERSVILLE, NC 28078 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $967 | — | $967 | 8.50% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 3259 E 5225 N EADEN, UT 84310 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $967 | — | $967 | 8.50% |
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 | 1,132 | 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) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 803 | $79K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,252 | $648K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,252 | $648K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,252 | $648K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,252 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,252 | — |
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.