| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-IND | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 3.79% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERV | STE 200 7415 W. 130TH ST OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $585 | $21K | 4.58% |
| VHA CENTRAL INSURANCE SERVICES3 | 7415 W 130TH STREET, STE 200 OVERLAND PARK, KS 66213 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE LOCKBOX 4565 CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DRIVE URBANDALE, ID 50398 | LIFE INSURANCE CO OF NORTH AMERICA | $14K | — | $14K | 18.00% |
| VHA CENTRAL INSURANCE SERVICES3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | LIFE INSURANCE CO OF NORTH AMERICA | $404 | — | $404 | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DRIVE URBANDALE, ID 50398 | LIFE INSURANCE CO OF NORTH AMERICA | $7K | — | $7K | 13.50% |
| VHA CENTRAL INSURANCE SERVICES3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | LIFE INSURANCE CO OF NORTH AMERICA | $176 | — | $176 | 0.35% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 610 | $459K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 585 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $521K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $521K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $521K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 898 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.