| 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 | COMMUNITY INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INSURANCE AGENCY INC. | 2035 READING ROAD CINCINNATI, OH 45202 | UNUM INSURANCE COMPANY | — | $231 | $231 | 0.75% |
| CAI INSURANCE AGENCY INC3 | 2035 READING RD. CINCINNATI, OH 45202 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CAI INSURANCE AGENCY INC3 Filed as: CAI INSURANCE AGENCY INC. | 2035 READING ROAD CINCINNATI, OH 45202 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $195K |
| EXPRESS SCRIPTS INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $47K |
| EXPRESS SCRIPTS INC EIN 31-1714795 NONE | Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 400 PARSONS POND DRIVE FRANKLIN LAKES, NJ 07417 | $0 |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $520K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $453K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $466K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 356 | $484K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 285 | $555K |
| Other | UNUM INSURANCE COMPANY | 309 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.