| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $2K | $2K | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 2.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $367 | $6K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 MAIN STREET, 44TH FLOOR DALLAS, TX 75201 | AMERITAS LIFE INSURANCE CORPORATION | $9K | $0 | $9K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 WEST MAIN STREET, SUITE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $874 | $874 | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC4 | PO BOX 850502 MINNEAPOLIS, MN 55485 | LEGALSHIELD | $3K | — | $3K | 21.00% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 730 | $4.2M |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 730 | $4.2M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 605 | $57K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $330K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $330K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $330K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 730 | $4.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 406 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.