| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED NUCLEAR SECURITY3 | 602 SCARBORO ROAD OAK RIDGE, TN 37830 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30K | $30K | 0.70% |
| CONSOLIDATED NUCLEAR SECURITY3 | 602 SCARBORO ROAD OAK RIDGE, TN 37830 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE | $52K | — | $52K | 10.67% |
| BENEFIT ALLIANCE INC3 | PO BOX 1703 BOEME, TX 78006 | AMERICAN HERITAGE LIFE | $2K | — | $2K | 0.34% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MKTG CONCEPTS INC | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE | $1K | — | $1K | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE | $43K | $2K | $45K | 11.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2984 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | — | $41K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $4K | — | $4K | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINIS | 121 RIVER STREET, FL5 DES MOINES, IA 50306 | HYATT LEGAL PLANS | — | $431 | $431 | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MONES, IA 50331 | HYATT LEGAL PLANS | — | $339 | $339 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @WORK SOLUTIONS | PO BOX 10414 DES MOINES, IA 503060414 | HYATT LEGAL PLANS | — | $47 | $47 | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 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 | 7,636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,332 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE | 1,303 | $878K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,724 | $3.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 8,429 | $1.9M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,592 | $13.9M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,636 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,429 | — |
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.