| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JELLYVISION LAB, INC.3 | 848 WEST EASTMAN, SUITE 104 CHICAGO, IL 60642 | STANDARD INSURANCE COMPANY | $0 | $85K | $85K | 3.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $32K | $0 | $32K | 5.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $10K | $0 | $10K | 1.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.85% |
| MATTHEW HOLDEN3 | 163 RIVERSIDE DRIVE NORWELL, MA 02061 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| DOMENIC SALVATO3 | 500 OFFICE CENTER DRIVE, 4TH FLOOR FORT WASHINGTON, PA 19034 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $95 | $23K | 7.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 6.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.55% |
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 | 6,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 6,849 | $594K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,706 | $3.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,706 | $2.8M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 6,100 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,849 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.