| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $21K | $1K | $22K | 3.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIFIED LIFE INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | TRIPLE-S SALUD, INC. | $8K | — | $8K | 5.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $444 | $22K | 15.31% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.24% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $3K | $23K | 16.85% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.02% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $305 | $10K | 10.32% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX-HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.19% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $247 | $8K | 10.52% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $909 | $909 | 1.23% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $977 | $8K | 16.98% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $528 | $528 | 1.07% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $819 | $7K | 16.94% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $442 | $442 | 1.05% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $1.2M |
| MERCER HEALTH & BENEFITS LLC BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $0 |
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 | 1,927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIFIED LIFE INSURANCE COMPANY | 38 | $422K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 2,981 | $867K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 2,555 | $216K |
| Life insurance(3 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 1,606 | $386K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $136K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 982 | $94K |
| Prescription drug | TRIPLE-S SALUD, INC. | 26 | $169K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,300 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,981 | — |
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.