| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | 12421 MEREDITH DR STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $680K | — | $680K | 23.75% |
| GNASTER & GNASTER INC3 | 5600 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | RELIASTAR LIFE INSURANCE COMPANY | $200K | — | $200K | 6.98% |
| COMMERCIAL GROUP INTERMEDIARIES3 | 16 EXECUTIVE CT., SUITE 4 SOUTH BARRINGTON, IL 60010 | BCS INSURANCE COMPANY | $223K | — | $223K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | HMO ILLINOIS | — | $855 | $855 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | — | $17K | $17K | 2.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRION GROUP, A MARSH & MCLENNAN AGC EIN 26-3237576 N/A | Insurance brokerage commissions and fees Service code 53 | — | $624K |
| PREFFERED NETWORK ACCESS EIN 36-4018433 N/A | Claims processing Service code 12 | — | $609K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 N/A | Contract Administrator; Claims processing Service code 12 | — | $103K |
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 | 6,353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 228 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMO ILLINOIS | 295 | $3.1M |
| Vision(5 contracts) | EYEMED VISION CARE | 6,876 | $489K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,512 | $2.9M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANIES OF BOSTON | 4 | $196 |
| Long-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 6,164 | $747K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 5,118 | $2.2M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 6,512 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,876 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.