| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $12K | $40K | 7.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 11.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $619 | $2K | 1.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W. 47TH STREET, STE 900 C/O BANK OF AMERICA KANSAS CITY, MO 64112 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 3.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DENTAL CARE PLUS, INC. | $921 | — | $921 | 2.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $3K | $192 | $3K | 11.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM INSURANCE COMPANY | $2K | $449 | $2K | 8.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $5K | $492 | $5K | 42.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM INSURANCE COMPANY | $1K | $375 | $2K | 13.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $2K | $144 | $2K | 24.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM INSURANCE COMPANY | $1K | $300 | $1K | 17.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $60 | $60 | 2.13% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 C/O BANK OF AMERICA ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.04% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 56 | $31K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,513 | $98K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $670K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $548K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $545K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 947 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.