| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL GLENN MERCER | GLEN MERCER 7 ASSOCIATES PO BOX 185 BARRINGTON, IL 60011 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | — | $38K | 3.08% |
| ACRISURE LLC3 | 55 SHUMAN BOULEVARD SUITE 900 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | — | $15K | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL GLENN MERCER | PO BOX 185 BARRINGTON, IL 60011 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.18% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC-PRESIDIO | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: ERROL GLENN MERCER-BOR | 140 MONUMENT AVE BARRINGTON, IL 60010 | EYEMED VISION CARE | $725 | — | $725 | 8.65% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 W NORTH AVE. CHICAGO, IL 60642 | EYEMED VISION CARE | $426 | — | $426 | 5.08% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD. SUITE 900 NAPERVILLE, IL 60563 | EYEMED VISION CARE | $284 | — | $284 | 3.39% |
| 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 | $351 | — | $351 | 5.42% |
| ACRISURE LLC3 | 55 SHUMAN BOULEVARD SUITE 900 NAPERVILLE, IL 60563 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $275 | $10 | $285 | 4.40% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC | 939 W NORTH AVE SUITE 750 CHICAGO, IL 60642 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 3.32% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 182 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $6K |
| Vision | EYEMED VISION CARE | 147 | $8K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 104 | $73K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 104 | $73K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 104 | $73K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 104 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.