| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248K | $0 | $248K | 12.50% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $66K | $66K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $115K | — | $115K | 12.50% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $23K | $23K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | $0 | $93K | 16.58% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $0 | $46K | 16.15% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $24K | $3K | $26K | 9.73% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 39340 TREASURY CENTER CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $0 | $197 | $197 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | $0 | $44K | 16.27% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.13% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $852 | $852 | 0.75% |
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 | 12,767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 347 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,751 | $22.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,751 | $22.4M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 5,181 | $577K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,255 | $1.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,801 | $586K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,985 | $445K |
| Other(8 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,654 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,654 | — |
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."
No prospect flags tripped on this filing.