| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $375K | — | $375K | 8.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ALPHA DENTAL OF NEVADA, INC. | $4K | — | $4K | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 503310502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | — | $43K | 12.42% |
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE INS AN ALERA GRP AGY LL | 8375 W FLAMINGO RD STE 102 LAS VEGAS, NV 89147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $310 | — | $310 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 10.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.18% |
| HODGES-MACE LLC3 | 5775 E GLENRIDGE DR STE 350 ATLANTA, GA 30328 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 2340 CORPORATE CR, 2ND FLOOR HENDERSON, NV 89074 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 503310502 | LEGAL ACCESS CONSULTING, LLC | $10K | — | $10K | 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 | 6,703 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 9,725 | $39.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 10,512 | $3.6M |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 12,775 | $421K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,162 | $4.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,162 | $4.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,162 | $4.2M |
| Prescription drug | HEALTH PLAN OF NEVADA | 9,725 | $32.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,162 | $4.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,775 | — |
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.