| 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 | $154K | $28K | $182K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $71K | $71K | 2.13% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 662191366 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 5.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $5K | $73K | 22.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $6K | $82K | 33.95% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 662191366 | HARTFORD LIFE AND ACCIDENT | $4K | $735 | $5K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | HARTFORD FIRE INSURANCE COMPANY | $6K | $466 | $7K | 21.50% |
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 | 5,578 | 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) | 5,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 504 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 7,001 | $536K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,892 | $3.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,892 | $3.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,055 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,892 | — |
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.