| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $63K | — | $63K | 8.65% |
| DIRECTPATH, LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY | $42K | — | $42K | 12.24% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 3.06% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $10K | — | $10K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4645 PAYSPHERE CIR CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 6.70% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GRP SE LLC | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $7K | $38K | 23.20% |
| NFP INSURANCE SERVICES INC Filed as: NFP INS SERVICES INC | BUILDING 2 STE 125 1250 S CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.98% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | — | CIGNA HEALTH & LIFE INSURANCE CO | $4K | — | $4K | 10.84% |
| CHRISTINA A WEST Filed as: CHRISTINA WEST | 4400 COMERICA CENTER 1717 MAIN STREET DALLAS, TX 75201 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 37.07% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | ONE UNIVERSITY SQUARE DR STE 100 PRINCETON, NJ 08540 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 29.38% |
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 | 3,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 8 | $75K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 924 | $201K |
| Vision | VISION SERVICE PLAN | 2,288 | $322K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,360 | $1.1M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,321 | $205K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,507 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,507 | — |
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.