| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $573 | $25K | 2.32% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICE | 15744 S PEACOCK RD HASLETT, MI 48840 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $12K | 9.00% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 S PEACOCK RD HASLETT, MI 48840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $846 | $3K | 3.18% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 S PEACOCK RD HASLETT, MI 48840 | STARMOUNT LIFE INSURANCE COMPANY | $630 | — | $630 | 0.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | BLUE CARE NETWORK OF MICHIGAN | $2K | $33 | $2K | 2.07% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICE | 15744 S PEACOCK RD HASLETT, MI 48840 | BLUE CARE NETWORK OF MICHIGAN | $497 | — | $497 | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $2K | $250 | $2K | 14.39% |
| CAPITAL ASSET INS. SERVICES, INC.3 Filed as: CAPITAL ASSET INSURANCE SERVICES | 15744 S PEACOCK ROAD HASLETT, MI 48840 | UNUM INSURANCE COMPANY | $148 | — | $148 | 1.21% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 192 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $90K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 75 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $131K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 192 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
No prospect flags tripped on this filing.