| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 333 BRIDGE STREET NW S 400 GRAND RAPIDS, MI 49504 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 0.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN STREET BOISE, ID 83702 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MICHIGAN | $965 | — | $965 | 1.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | DELTA DENTAL OF MICHIGAN | $463 | — | $463 | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.29% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $890 | $890 | 5.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $867 | — | $867 | 5.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | — | $658 | 4.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 333 BRIDGE STREET NW S 400 GRAND RAPIDS, MI 49504 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $72 | — | $72 | 0.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40 | — | $40 | 0.50% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 270 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 296 | $71K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $22K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 270 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.