| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTI7 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $15K | $42K | 5.41% |
| EMPLOYEE BENEFIT CONSULTI7 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $13K | $28K | 6.44% |
| EMPLOYEE BENEFIT CONSULTI7 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $10K | $23K | 5.96% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 9.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $22 | $2K | 0.76% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.25% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.56% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.41% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.64% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 9.36% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.61% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | LEGAL ACCESS CONSULTING, LLC | $4K | — | $4K | 10.00% |
| EMPLOYEE BENEFIT CONSULTI7 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $831 | $2K | 5.89% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH ST, SUITE 700 MINNEAPOLIS, MN 55402 | COMBINED INSURANCE COMPANY OF AMERICA | $249 | — | $249 | 6.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $21 | $0 | $21 | 0.57% |
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 | 2,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $113K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 3,058 | $299K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,543 | $382K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,816 | $785K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,544 | $430K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,065 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,058 | — |
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.