| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL GLENN MERCER | PO BOX 185 BARRINGTON, IL 60011 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | — | $44K | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL G MERCER | PO BOX 185 BARRINGTON, IL 60011 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.01% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | — | $5K | $5K | 7.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL G MERCER | 140 MONUMENT AVE BARRINGTON, IL 60010 | EYEMED VISION CARE | $702 | — | $702 | 9.97% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 W NORTH AVE. CHICAGO, IL 60642 | EYEMED VISION CARE | $351 | — | $351 | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL G MERCER | GLEN MERCER ASSOCIATES PO BOX 185 BARRINGTON, IL 60011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $518 | — | $518 | 8.06% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC | 939 W NORTH AVE SUITE 750 CHICAGO, IL 60642 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL G MERCER | PO BOX 185 BARRINGTON, IL 60011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 14.94% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 209 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $6K |
| Vision | EYEMED VISION CARE | 148 | $7K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 130 | $64K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $64K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 130 | $64K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 130 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.