| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $272K | $635 | $273K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $772 | — | $772 | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $760 | — | $760 | 0.71% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | KANAWHA INSURANCE COMPANY | $18K | — | $18K | 16.84% |
| BOEGER BRET M3 Filed as: BOEGER, BRET M | 4747 W 135TH ST STE 350 LEAWOOD, KS 66224 | KANAWHA INSURANCE COMPANY | $4K | — | $4K | 3.87% |
| ARGUE, JOHN M3 | 601 W 5TH ST STE 600 LOS ANGELES, CA 90071 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 1.69% |
| WERNICK, KEVIN M3 | 601 W 5TH ST STE 600 LOS ANGELES, CA 90071 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| CRAMER, CHRISTOPHER J3 | 1940 FOUNTAIN VIEW DR PMB 113 HOUSTON, TX 77057 | KANAWHA INSURANCE COMPANY | $37 | — | $37 | 0.04% |
| LEONARD, MICHAEL D3 | 4747 W 135TH ST STE 350 LEAWOOD, KS 66224 | KANAWHA INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119 | — | $119 | 0.72% |
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 | 1,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,692 | $9.2M |
| Dental | AETNA LIFE INSURANCE CO. | 2,640 | $869K |
| Vision | VISION SERVICE PLAN | 962 | $106K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,692 | $9.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,160 | $107K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,692 | $9.2M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 2,692 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,692 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.