| 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 CO OF AMERICA | $26K | $13K | $39K | 3.41% |
| VHA CENTRAL INSURANCE SERVICES3 | 8900 KEYSTONE CROSSING STE 480 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE CO OF AMERICA | $11K | $8K | $18K | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $14K | — | $14K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P. O. BOX 310502 DES MOINES, IA 50331 | UNUM LIFE INSURANCE CO OF AMERICA | $84K | — | $84K | 35.01% |
| DIANA NICOLE STROUT3 | 1826 MONTCLAIR RD., APT 2 CLEARWATER, FL 33763 | UNUM LIFE INSURANCE CO OF AMERICA | $11K | $4 | $11K | 4.65% |
| VHA CENTRAL INSURANCE SERVICES3 Filed as: VHA CENTRAL INSURANCE SERVICES LLC | 8900 KEYSTONE CROSSING. SUITE 480 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | — | $9K | 3.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P. O. BOX 10414 DES MOINES, IA 50306 | UNUM LIFE INSURANCE CO OF AMERICA | — | $8K | $8K | 3.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | $262 | $7K | 2.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IN | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | $847 | $2K | 3.25% |
| VHA CENTRAL INSURANCE SERVICES3 | 8900 KEYSTONE CROSSING SUITE 480 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE CO OF AMERICA | $678 | $508 | $1K | 1.75% |
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 | 1,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,917 | $281K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 3,917 | $281K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,917 | $643K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 2,301 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 2,301 | $1.1M |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 2,301 | $1.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 3,917 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,917 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.