| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 3.49% |
| 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 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $8K | $60K | 11.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DRIVE URBANDALE, ID 50398 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 20.00% |
| VHA CENTRAL INSURANCE SERVICES3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 12421 MEREDITH DRIVE URBANDALE, ID 50398 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.69% |
| VHA CENTRAL INSURANCE SERVICES3 | 290 E JOHN CARPENTER FWY IRVING, TX 75062 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $839 | — | $839 | 1.74% |
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 | 943 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,954 | $519K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 660 | $115K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $595K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $595K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $595K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 943 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,954 | — |
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.