| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $0 | $68K | 12.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $33 | $17K | 9.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $9K | 13.32% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 1166 AVENUE OF THE AMERICAS 23RD FLOOR NEW YORK, NY 10036 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.97% |
| CONCEPT ADMINISTRATORS LLC3 Filed as: CONCEPT ADMINISTRATORS, LLC | 7 HANOVER SQUARE NEW YORK, NY 10004 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARMADACARE HEALTH AND LIFE INSURANCE COMPANY | $287 | $0 | $287 | 0.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $100 | $3K | 10.57% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 5.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $562 | $562 | 1.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $343 | $343 | 1.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
| DHR INSURANCE SERVICES INC3 Filed as: DHR INSURANCE SERVICES, INC. | 302 WEST GRAND AVENUE, SUITE 8 EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $109 | $0 | $109 | 4.01% |
| INNOVATIVE SOLUTIONS3 Filed as: INNOVATIVE SOLUTIONS INSURANCE SERV | 222 NORTH PACIFIC COAST HIGHWAY SUITE 2000 EL SEGUNDO, CA 90245 | PRINCIPAL LIFE INSURANCE COMPANY | $109 | $0 | $109 | 4.01% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 217 | $521K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $236K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $32K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $66K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $106K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $68K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 217 | $521K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.