| 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 | $49K | $25K | $75K | 3.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $30K | — | $30K | 4.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P. O. BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $131K | — | $131K | 21.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P. O. BOX 850502 MINNEAPOLIS, MN 55485 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | — | $9K | 5.04% |
| DIANA NICOLE STROUT3 | 1826 MONTCLAIR RD., APT 2 CLEARWATER, FL 33763 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 1.01% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVS LLC | P. O. BOX 842167 DALLAS, TX 75284 | UNUM LIFE INSURANCE CO OF AMERICA | $984 | — | $984 | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 3.25% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE | SERV P. O. BOX 842167 DALLAS, TX 752842167 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$89 | — | -$89 | -0.07% |
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 | 2,514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,302 | $703K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 2,916 | $2.1M |
| Short-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 2,916 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 2,916 | $2.0M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 2,916 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,916 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.