| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 2.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 0.91% |
| JAMES PRESCOTT3 | 2928 MAJOR RIDGE TRAIL DULUTH, GA 30097 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $40K | $17K | $57K | 5.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.15% |
| JAMES PRESCOTT3 | 2928 MAJOR RIDGE TRAIL DULUTH, GA 30097 | MINNESOTA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $31K | $13K | $44K | 5.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $10K | — | $10K | 1.15% |
| JAMES PRESCOTT3 | 2928 MAJOR RIDGE TRAIL DULUTH, GA 30097 | MINNESOTA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 4.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
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 | 5,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 451 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 10,267 | $2.8M |
| Vision | VISION SERVICE PLAN | 3,288 | $663K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,693 | $1.9M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,397 | $225K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,397 | $1.7M |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 5,693 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,267 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.