| 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 | $48K | — | $48K | 4.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL GLENN MERCER | PO BOX 185 BARRINGTON, IL 60011 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.02% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | — | $4K | $4K | 6.01% |
| 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 | $628 | — | $628 | 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 | $385 | — | $385 | 4.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROLL GLENN MERCER | 140 MONUMENT AVE BARRINGTON, IL 60010 | EYEMED VISION CARE | $762 | — | $762 | 9.97% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 W NORTH AVE CHICAGO, IL 60642 | EYEMED VISION CARE | $381 | — | $381 | 4.99% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 207 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 20 | $8K |
| Vision | EYEMED VISION CARE | 151 | $8K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 134 | $70K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 134 | $70K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 134 | $70K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 134 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.