| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUNTER WHITTINGTON3 Filed as: ROBERT H. WHITTINGTON | 2300 NW CORPORATE BOULEVARD SUITE 215 BOCA RATON, FL 33431 | RELIASTAR LIFE INSURANCE COMPANY | $68K | $0 | $68K | 16.29% |
| NICHOLAS J CIANCI3 Filed as: NICHOLAS J. CIANCI | 21 MEADOW WOOD DRIVE SUFFIELD, CT 06078 | RELIASTAR LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 6.96% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 COCKEYSVILLE, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 1.18% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF OHIO | $19K | $144 | $19K | 7.59% |
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $8K | $0 | $8K | 3.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 12.64% |
| ASSUREDPARTNERS3 | 8101 NORTH HIGH STREET, SUITE 30 COLUMBUS, OH 43235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.12% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY RICHFIELD, OH 44286 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.24% |
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 | 1,247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,103 | $250K |
| Vision | VISION SERVICE PLAN | 582 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,376 | $190K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 652 | $418K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,376 | $190K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,376 | $608K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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.