| 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 | HUMANA HEALTH PLAN OF OHIO, INC. | $34K | — | $34K | 1.00% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4900 EAST GALBRAITH ROAD STE 100 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $116 | — | $116 | 0.05% |
| SALLY A PEARSON3 Filed as: SALLY PEARSON | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | DENTAL CARE PLUS, INC. | $38 | — | $38 | 0.02% |
| THOMAS PLACKE3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | DENTAL CARE PLUS, INC. | $21 | — | $21 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $3K | $19K | 10.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | $2K | $13K | 11.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 11.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KANAWHA INSURANCE COMPANY | $642 | — | $642 | 2.45% |
| AMERICAN INSURENT AGENCY3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $354 | — | $354 | 1.35% |
| CHARLES D. BLOCK3 Filed as: CHARLES EBERLE | 2640 BAYHILL CT CINCINNATI, OH 45233 | KANAWHA INSURANCE COMPANY | $258 | — | $258 | 0.98% |
| CLIFFORD BELL3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $71 | — | $71 | 0.27% |
| GARY SLOWIK3 | 9809 TULIP TREE CT LOVELAND, OH 45140 | KANAWHA INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | KANAWHA INSURANCE COMPANY | $41 | — | $41 | 0.16% |
| SALLY A PEARSON3 Filed as: SALLY PEARSON | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $38 | — | $38 | 0.14% |
| AMANDA HART3 | 7182 LIBERTY CIRCLE WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $32 | — | $32 | 0.12% |
| THOMAS PLACKE3 | 644 LINN ST STE 1100 CINCINNATI, OH 45203 | KANAWHA INSURANCE COMPANY | $21 | — | $21 | 0.08% |
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 | 640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF OHIO, INC. | 454 | $3.4M |
| Dental | DENTAL CARE PLUS, INC. | 465 | $213K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 233 | $41K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $176K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $76K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $111K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.