| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.65% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | 200 BERWYN PARK, SUITE 110 BERWYN, PA 19312 | ACE AMERICAN INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | HYATT LEGAL PLANS | $2K | — | $2K | 6.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $1K | $146 | $1K | 4.33% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 75320 | HYATT LEGAL PLANS | — | $121 | $121 | 0.38% |
| ACS HUMAN RESOURCE SOLUTIONS, INC.3 Filed as: ACS HUMAN RESOURCE SOLUTIONS INC. | DEPT. CH 14061 PALATINE, IL 60055 | HYATT LEGAL PLANS | — | $62 | $62 | 0.20% |
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 | 3,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 32 | $573K |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 32 | $573K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $1.8M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,183 | $967K |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,239 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,239 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.