| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 9.92% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, FLOOR 2 DORAL, FL 33172 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$167 | $0 | -$167 | -0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, FLOOR 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $893 | $893 | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $997 | $0 | $997 | 10.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, FLOOR 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $387 | $387 | 3.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $628 | $0 | $628 | 10.00% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TERRACE, FLOOR 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $229 | $229 | 3.65% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $283K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $51K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $51K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $283K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.