| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $64K | — | $64K | 8.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER ADMIN | 12421 MEREDITH STREET SUITE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $41K | — | $41K | 61.93% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 7.55% |
| AMERICAN MULTI-CINEMA, INC.3 | 11550 ASH STREET SUITE 200 LEAWOOD, KS 66211 | METLIFE LEGAL PLANS | — | $15K | $15K | 38.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER ADMIN | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $4K | $476 | $5K | 12.58% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, LLC | 1214 NORTH B STREET INDIANOLA, IA 50125 | METLIFE LEGAL PLANS | — | $996 | $996 | 2.59% |
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 | 5,043 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,070 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,959 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,189 | $244K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 6,040 | $737K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 6,040 | $737K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,959 | $1.3M |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,040 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,040 | — |
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.