| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $142K | $850 | $143K | 2.01% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $118K | $3K | $121K | 2.81% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | — | $57K | 10.48% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | $0 | $3K | 2.59% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.00% |
| SMITH THOMAS C3 Filed as: SMITH, THOMAS C | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $351 | $3K | 5.67% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.04% |
| SMITH THOMAS C3 Filed as: SMITH, THOMAS C | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.98% |
| FIRST BENEFITS CORPORATION3 | 155 N. WACKER DRIVE 42ND FLOOR CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $726 | — | $726 | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 800 MARKET ST. STE 1800 SAINT LOUIS, MO 63101 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 253 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 613 | $11.5M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $616K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $548K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 613 | $11.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 613 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.