| 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 | AETNA LIFE INSURANCE COMPANY | — | $466 | $466 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $694 | — | $694 | 0.82% |
| EOI SERVICE COMPANY INC3 | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.64% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH STREET, SUITE 310 OVERLAND, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.52% |
| KEVIN M WERNICK3 | 1000 WILSHIRE BLVD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880 | — | $880 | 1.52% |
| JOHN M ARGUE3 Filed as: JOHN ARGUE | 1000 WILSHIRE BLVD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880 | — | $880 | 1.52% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $329 | — | $329 | 0.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $731 | — | $731 | 1.74% |
| EOI SERVICE COMPANY INC3 | 1820 E FIRST STREET, SUITE 400 SANTA ANA, CA 92705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 21.58% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.37% |
| KEVIN M WERNICK3 | 1000 WILSHIRE BLVD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $837 | — | $837 | 2.37% |
| JOHN M ARGUE3 Filed as: JOHN ARGUE | 1000 WILSHIRE BLVD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $837 | — | $837 | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3 | — | $3 | 0.02% |
| JAMES DAVIDSON3 | 1820 E FIRST STREET SANTA ANA, CA 27805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 70.02% |
| BRET M BOEGER3 | 4551 W 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 30.01% |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 642 | $6.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 528 | $3.8M |
| Vision | VISION SERVICE PLAN | 732 | $58K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,335 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,324 | $42K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 642 | $6.3M |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,335 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.