| 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 | $36K | $18K | $55K | 3.39% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERV | 7415 WEST 130TH STREET, SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE CO OF AMERICA | $15K | — | $15K | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $23K | — | $23K | 3.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 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 | $11K | — | $11K | 4.78% |
| DIANA NICOLE STROUT3 | 1826 MONTCLAIR RD., APT 2 CLEARWATER, FL 33763 | UNUM LIFE INSURANCE CO OF AMERICA | $3K | — | $3K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-INDY | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 0.89% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVS LLC | 7415 WEST 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | MARSH AT WORK SOLUTIONS P. O. BOX 10414 DES MOINES, IA 50306 | UNUM LIFE INSURANCE CO OF AMERICA | — | $3 | $3 | 0.00% |
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 | 2,561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,227 | $624K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 3,141 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 3,141 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 3,141 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 4,973 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,973 | — |
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.