| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCK CONSULTANTS LLC3 | DEPT CH 14061 PALATINE, IL 60055 | HARTFORD LIFE AND ACCIDENT | $0 | $987 | $987 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
| THOMAS C SMITH | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | ALLSTATE | $246 | $0 | $246 | 2.80% |
| AMERICAN INS AGENCIES LLC | 18102 CHESTERFIELD AIRPORT RD STE E CHESTERFIELD, MO 63005 | ALLSTATE | $214 | $0 | $214 | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ALLSTATE | $182 | $0 | $182 | 2.07% |
| BUCK CONSULTANTS LLC | PO BOX 202617 DALLAS, TX 75320 | ALLSTATE | $51 | $0 | $51 | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Insurance brokerage commissions and fees; Contract Administrator; Other commissions; Insurance agents and brokers; Float revenue; Other services Service code 12 | — | $751K |
| BUCK CONSULTANTS LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 154 | $699K |
| Vision | NATIONAL GUARDIAN LIFE | 163 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 299 | $130K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 299 | $130K |
| Stop-loss / reinsurancereinsurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 154 | $690K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 303 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
No prospect flags tripped on this filing.