| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SJH AGENCY INC3 | 9 THE PINES CT STE B SAINT LOUIS, MO 631416199 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $68K | $72K | 2.85% |
| SJH AGENCY INC3 | 9 THE PINES COURT STE 9 ST LOUIS, MO 63141 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 14.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET ST STE 1100 ST LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 4.97% |
| TBS AGENCY INC3 Filed as: TBS AGENCY, INC. | 1776 PLEASANT PLAIN ROAD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E P.O. BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $451 | $6K | 1.67% |
| STEPHEN HERRMANN3 | 9 THE PINES COURT SUITE B ST. LOUIS, MO 631416199 | METROPOLITAN LIFE INSURANCE COMPANY | $543 | — | $543 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INS & INVESTMENT CORP | 4 CHASE METROTECH CTR FL 7E P.O. BOX 26945 BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $118 | $94 | $212 | 0.06% |
| HERRMANN BENEFIT CONSULTANTS INC.3 | 9B PINE COURT ST. LOUIS, MO 63141 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 3.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 1.26% |
| SJH AGENCY INC3 | 9B THE PINES COURT ST LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 9.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.49% |
| SJH AGENCY INC3 Filed as: SJH AGENCY INC. | 9B THE PINES COURT ST LOUIS, MO 63141 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| SJH AGENCY INC3 Filed as: SJH AGENCY, INC. | 9 THE PINES COURT #B ST LOUIS, MO 63141 | HYATT LEGAL PLANS | $2K | — | $2K | 7.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $783 | — | $783 | 2.49% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 787 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 762 | $265K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $451K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 299 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 299 | $122K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.