| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $170K | — | $170K | 5.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $177K | — | $177K | 9.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $29K | — | $29K | 8.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $9K | $1K | $11K | 13.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $998 | — | $998 | 10.52% |
| WILLIAM STEPHENS, JR.3 Filed as: WILLIAM L STEPHENS, JR | 700 OVERLOOK ROAD TUSCALOOSA, AL 35406 | HARTFORD LIFE AND ACCIDENT | $672 | — | $672 | 15.00% |
| PETER J MACE3 | 3350 RIVERWOOD PKWY #80 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.41% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN INC | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35 | — | $35 | 12.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11 | — | $11 | 11.22% |
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 | 4,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 5,371 | $1.8M |
| Vision(4 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 10,890 | $342K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,640 | $3.3M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 9,640 | $3.1M |
| Other(6 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 9,640 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,890 | — |
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.