| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDTLANTIC DRIVE SUITE 300 MT. LAUREL, NJ 08054 | PERS CHOICE | — | $241K | $241K | 5.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO. INC. | TWO PIERCE PLACE ITASCA, IL 60143 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $29K | — | $29K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA - MERCER HEALTH AND BENEF | 208 S LA SALLE ST SUITE 814 CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 4.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $8K | $951 | $9K | 11.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $2K | — | $2K | 2.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 43.08% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 18.90% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PERS CHOICE | 669 | $5.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 957 | $432K |
| Vision | VISION SERVICE PLAN | 529 | $63K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 298 | $269K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 298 | $269K |
| Prescription drug | PERS CHOICE | 669 | $4.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 274 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.