| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $394 | $20K | 6.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS, | LLC 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $647 | $21K | 6.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $550 | $13K | 4.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN., | LLC PO BOX 310502 DES MOINES, IA 50331 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $31K | — | $31K | 13.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $165 | $6K | 6.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS, | LLC 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $211 | $5K | 4.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS, | LLC 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$26 | — | -$26 | -0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $111 | $9K | 11.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS, | LLC 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$25 | — | -$25 | -0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $80 | $3K | 5.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $41 | $4K | 15.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF GREAT PLAINS, | LLC 914 AVENUE G FORT MADISON, IA 52627 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN., | LLC PO BOX 310502 DES MOINES, IA 50331 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN., | LLC PO BOX 310502 DES MOINES, IA 50331 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $84 | — | $84 | 17.11% |
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 | 2,159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,151 | $255K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,789 | $390K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,848 | $285K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,789 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,848 | — |
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."
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.