| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2500 CITY WEST BLVD. SUITE 2400 HOUSTON, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LN 15TH FLOOR DALLAS, TX 75231 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL DALLAS, TX 75231 | EYE MED VISION CARE | $11K | — | $11K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 12222 MERIT DRIVE SUITE 1230 DALLAS, TX 75251 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | $2K | $18K | 14.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVE OF AMERICAS NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET ST. ST. LOUIS, MO 63141 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $645 | — | $645 | 25.00% |
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 | 1,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 919 | $725K |
| Vision | EYE MED VISION CARE | 1,525 | $123K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,784 | $270K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,138 | $119K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,043 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,043 | — |
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.