| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 7.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $265 | $2K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $542 | $542 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 9.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $254 | $2K | 1.61% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MECER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 8.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $688 | — | $688 | 2.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.84% |
| ROBERT A. STEWART3 | 4 KRUG CIRCLE APT 4A CINCINNATI, OH 45212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $553 | — | $553 | 1.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 26 CENTURY BLVD. NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $589 | — | $589 | 3.79% |
| ROBERT A. STEWART3 | 4 KRUG CIRCLE APT 4A CINCINNATI, OH 45212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $333 | — | $333 | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 15.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| ROBERT A. STEWART3 | 4 KRUK CIRCLE APT 4A CINCINNATI, OH 45212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 24.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 26 CENTURY BLVD. NASHVILLE, TN 37214 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INS. | 29840 NETWORK PLACE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 16.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170 | — | $170 | 9.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 445 HUTCHINSON AVENUE COLUMBUS, OH 432355656 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 3.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE COMPANY EIN 36-2739571 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 9200 WORTHINGTON ROAD WESTERVILLE, OH 43082 | $345K |
| DELTA DENTAL OF OHIO EIN 31-0685339 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 550 POLARIS PKWY STE 550 WESTERVILLE, OH 43082 | $30K |
| PNC BANK EIN 25-1435979 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | ONE PNC PLAZA,239 5TH AVE PITTSBURGH, PA 15222 | $18K |
| WINKEL GREEN & COMPANY LLP AUDITOR | Accounting (including auditing) Service code 10 | 3752 N HIGH STREET COLUMBUS, OH 43214 | $12K |
| UNITD HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $10K |
| CANCERBRIDGE PROGRAM | Other services Service code 49 | 3700 FISHINGGER BLVD COLUMBUS, OH 43026 | $6K |
| ISOLVED BENEFIT SERVICES CONSULTANT | Other services Service code 49 | PO BOX 889 COLDWATER, MI 49036 | $5K |
| AON CONSULTING NONE | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 60673 | $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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 396 | $110K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 683 | $321K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 687 | $174K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 985 | $1.8M |
| Other(10 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 683 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.