| 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 | — | $21K | 2.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 525 VINE STREET, SUITE #900 CINCINNATI, OH 45202 | UNIFIED LIFE INSURANCE COMPANY | $2K | — | $2K | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, ID 60673 | ANTHEM INSURANCE COMPANIES, INC. | $9K | $2K | $10K | 4.69% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $10K | $32K | 14.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.09% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.62% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $9K | $27K | 14.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.01% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.62% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.06% |
| 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 | $9K | $6K | $15K | 10.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $985 | $7K | 4.98% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLV ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.62% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.82% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $7K | $15K | 11.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.35% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS | 1 ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.65% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX-HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.16% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 15.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.61% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.44% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 14.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.77% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.52% |
| CLIPPINGER FINANCIAL GROUP LLC3 | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $9K | 15.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4595 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.56% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INSURANCE | 1ADP BLVD ROSELAND, NJ 07068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $876 | $876 | 1.43% |
| CLIPPINGER FINANCIAL GROUP LLC3 Filed as: CLIPPINGER FINANCIAL GROUP, LLC | 415 CROSSLAKE DRIVE #A EVANSVILLE, IN 47715 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $945 | $4K | 17.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.94% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $113 | $113 | 0.54% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG 11, SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $113 | $113 | 0.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.5M |
| MERCER HEALTH & BENEFITS LLC BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees 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 | 2,468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIFIED LIFE INSURANCE COMPANY | 35 | $452K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 2,838 | $925K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 2,495 | $222K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,584 | $324K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 236 | $217K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 978 | $151K |
| Prescription drug | TRIPLE-S SALUD, INC. | 26 | $159K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,679 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,838 | — |
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.