| 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 | $68K | — | $68K | 12.03% |
| WORKSITE MARKETING CONCEPTS INC3 Filed as: WORKSITE MKTG CONCEPTS INC | 5825 NICHOLAS CIRCLE AMARILLO, TX 79109 | AMERICAN HERITAGE LIFE | $671 | — | $671 | 0.12% |
| BENEFIT ALLIANCE INC3 | PO BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE | $18 | — | $18 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION LLC | PO BOX 310502 DES MOINES, IA 503310502 | AMERICAN HERITAGE LIFE | $51K | — | $51K | 11.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $2K | $39K | 15.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $4K | — | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | — | $441 | $441 | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | 121 RIVER STREET FLOOR 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS | — | $172 | $172 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH @WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 503063496 | HYATT LEGAL PLANS | — | $70 | $70 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINISTRA | PO BOX 27447 NEW YORK, NY 10087 | HYATT LEGAL PLANS | — | $53 | $53 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $4K | $171 | $4K | 15.70% |
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 | 8,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,336 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE | 1,634 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,772 | $3.5M |
| Vision(2 contracts) | VISION SERVICE PLAN | 8,685 | $2.0M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,035 | $13.2M |
| Other(7 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,130 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,685 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.