| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $2K | — | $2K | 2.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | VISION SERVICE PLAN | — | $3K | $3K | 18.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $439 | — | $439 | 3.12% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, IL 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | — | $141 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $198 | — | $198 | 2.50% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, IL 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 MONUMENT CIRCLE #4300 INDIANAPOLIS, IN 46204 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 606740001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164 | — | $164 | 2.37% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, IL 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69 | — | $69 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 3.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55 | — | $55 | 2.50% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, IL 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22 | — | $22 | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $198 | $17 | $215 | 11.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS, INC. | — | $20 | $20 | 1.02% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 160 | $69K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 94 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $8K |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 255 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.