| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $216K | $28K | $245K | 7.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $81K | $81K | 2.63% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 5.82% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BKR | 3333 PIEDMONT ROAD NE, SUITE 1400 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $278 | $29K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $1K | $15K | — |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BKR | 3333 PIEDMONT ROAD NE, SUITE 1400 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $222 | $20K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | — |
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 | 5,375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $0 |
| Dental(2 contracts) | DELTA DENTAL OF ILLINOIS | 3,369 | $260K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 5,276 | $344K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,375 | $3.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,375 | $3.1M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 5,375 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,375 | — |
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.