| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD | $68K | $68K | $136K | 36.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC. | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | $1K | $3K | 9.13% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 W 107TH OVERLAND PARK, KS 66207 | ALLSTATE | $2K | $2K | $3K | 13.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES-MOINE, IA 50331 | ALLSTATE | $1K | $1K | $3K | 10.08% |
| FRENCH INSURANCE3 | 12721 METCALF AVE OVERLAND PARK, KS 66213 | ALLSTATE | $1K | $1K | $2K | 8.65% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOC LLC | 3001 WESTOWN PARKWAY WEST DES MOINES, IA 50266 | ALLSTATE | $49 | $0 | $49 | 0.19% |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 518 | $370K |
| Dental | DELTA DENTAL OF KANSAS | 261 | $20K |
| Vision | VISION SERVICE PLAN | 180 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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.