| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $20K | $2K | $22K | 3.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 525 VINE STREET, SUITE #900 CINCINNATI, OH 45202 | UNIFIED LIFE INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, ID 60673 | ANTHEM INSURANCE COMPANIES, INC. | $8K | — | $8K | 4.01% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.08% |
| 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 | $23K | — | $23K | 15.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.19% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP 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 | 1.23% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 9.36% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLV ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 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 | 1.22% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $676 | $676 | 0.99% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| 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 | — | $700 | $700 | 1.14% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $453 | $2K | 25.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57 | $57 | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $1.5M |
| MERCER HEALTH & BENEFITS LLC BROKER | Other commissions; Insurance brokerage commissions and fees; Non-monetary compensation; 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 | 2,067 | 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) | 2,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIFIED LIFE INSURANCE COMPANY | 33 | $448K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 2,803 | $836K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 2,416 | $207K |
| Life insurance(3 contracts, 2 carriers) | TRIPLE-S SALUD, INC. | 1,576 | $408K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $164K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,024 | $130K |
| Prescription drug | TRIPLE-S SALUD, INC. | 26 | $160K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,300 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,803 | — |
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.