| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.52% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | SECURIAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.24% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 63141 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE COMPANY | — | $382 | $382 | 1.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | SECURIAN LIFE INSURANCE COMPANY | — | $308 | $308 | 1.18% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $72 | $6K | 24.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $87 | $1K | 4.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $909 | $38 | $947 | 3.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $143 | $143 | 0.56% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 0.33% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $46 | $3K | 23.72% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $616 | $87 | $703 | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $494 | $38 | $532 | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $76 | $76 | 0.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $540 | $71 | $611 | 7.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METLIFE LEGAL PLANS | $349 | — | $349 | 4.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES-MNTN WEST SERIES | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | — | $60 | $60 | 0.78% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $57 | $5K | 75.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITY PLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $842 | $87 | $929 | 15.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $670 | $38 | $708 | 11.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $109 | $109 | 1.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET STE 900 ATTN TELLYE HEDRICK KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 1.05% |
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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $20K |
| Vision | VISION SERVICE PLAN | 839 | $102K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 1,234 | $425K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 540 | $200K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 540 | $200K |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,309 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,309 | — |
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.