| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE | $70K | — | $70K | 13.85% |
| BENEFIT ALLIANCE INC3 | PO BOX 1703 BOEME, TX 78006 | AMERICAN HERITAGE LIFE | $3K | — | $3K | 0.69% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MKTG CONCEPTS INC | PO BOC 19730 AMARILLO, TX 79114 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM | PO BOX 10414 DES MOINES, IA 503060414 | AMERICAN HERITAGE LIFE | $45K | — | $45K | 11.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 STE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 15.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | DOMINIUM, A DIVISION OF INTEGRO USA P.O. BOX 5682 CAROL STREAM, IL 60197 | HYATT LEGAL PLANS | $9K | — | $9K | 9.15% |
| DOMINIUM BENEFITS, LLC3 | 3500 LENOX ROAD SUITE 1600 ATLANTA, GA 30326 | HYATT LEGAL PLANS | $827 | — | $827 | 0.84% |
| DOMINIUM BENEFITS, LLC3 | 5 CONCOURSE PARKWAY SUITE 2325 ATLANTA, GA 30328 | HYATT LEGAL PLANS | — | $116 | $116 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $18 | $18 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O.BOX 905494 STE 400 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 7,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,725 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE | 1,109 | $895K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,246 | $3.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 8,734 | $2.4M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,637 | $12.5M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,485 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,734 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.