| 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 | SECURIAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE 1 CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $827 | — | $827 | 1.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | LEGAL ACCESS SERVICES GROUP | $1K | — | $1K | 15.00% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG & RIPPLE INC. | 29 SOUTH MAIN STREET WEST HARFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $973 | $154 | $1K | 15.59% |
| LRI, LLC DBA LINDBERG AND RIPPLE3 | 29 SOUTH MAIN STREET SUITE 311 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162 | $205 | $367 | 5.08% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $104 | $104 | 1.44% |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 789 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,396 | $80K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,396 | $80K |
| Life insurance | SECURIAN LIFE INSURANCE COMPANY | 977 | $154K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 575 | $71K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 977 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,396 | — |
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.