| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | PRIORITY HEALTH | $44K | — | $44K | 13.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DELTA DENTAL PLAN OF MICHIGAN | $3K | — | $3K | 3.12% |
| CRAIG J. GRAVES Filed as: CRAIG J GRAVES | 1115 TAYLOR AVE N, SUITE 112 GRAND RAPIDS, MI 49506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.89% |
| CRAIG J. GRAVES3 Filed as: CRAIG J GRAVES | 1115 TAYLOR AVE N, SUITE 112 GRAND RAPIDS, MI 49506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $707 | — | $707 | 6.84% |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 418 | $327K |
| Dental | DELTA DENTAL PLAN OF MICHIGAN | 380 | $92K |
| Vision | VISION SERVICE PLAN | 180 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $42K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.