| 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 | $111K | $27K | $138K | 6.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $28K | — | $28K | 4.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P. O. BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $137K | — | $137K | 22.60% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | RELIASTAR LIFE INSURANCE COMPANY | — | $11K | $11K | 1.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | $2K | $10K | 6.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | $2K | $8K | 6.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 503310502 | LEGALPLANS, USA | $11K | — | $11K | 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 | $5K | — | $5K | 5.07% |
| DIANA NICOLE STROUT3 | 1826 MONTCLAIR RD., APT 2 CLEARWATER, FL 33763 | UNUM LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $996 | — | $996 | 0.93% |
| 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 | $606 | — | $606 | 0.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - IND | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $523 | $129 | $652 | 6.31% |
| DIANA NICOLE STROUT3 | 1826 MONTCLAIR RD APT 2 CLEARWATER, FL 33763 | UNUM LIFE INSURANCE CO OF AMERICA | $104 | — | $104 | 7.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE CO OF AMERICA | $45 | — | $45 | 3.04% |
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 | 2,380 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,142 | $690K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 2,736 | $2.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 2,736 | $2.3M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE CO OF AMERICA | 2,736 | $2.3M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE CO OF AMERICA | 2,736 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,736 | — |
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.