| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $71K | $71K | 2.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD STE 350 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD ST COLUMBUS, OH 43212 | DELTA DENTAL OF OHIO | $361 | — | $361 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF OHIO | $46 | — | $46 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $775 | $11K | 13.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $593 | $8K | 13.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $572 | $8K | 13.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $313 | $5K | 13.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $887 | — | $887 | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $313 | $5K | 13.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $887 | — | $887 | 2.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO | 131 S DEARBORN 6TH FL CHICAGO, IL 60603 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $121 | — | $121 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $252 | $4K | 13.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $624 | — | $624 | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO, INC. | 775 YARD STREET SUITE 200 COLUMBUS, OH 43212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | $55 | $821 | 13.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $164 | — | $164 | 2.64% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 672 | $164K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 589 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $59K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.