| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $127K | — | $127K | 4.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARIDA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 2.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 633 W 5TH STREET SUITE 1200 LOS ANGELES, CA 90071 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 1.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 633 W 5TH STREET SUITE 1200 LOS ANGELES, CA 900712095 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $50K | $50K | 5.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 731421875 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $153 | $153 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC. | $29K | — | $29K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 730071 DALLAS, TX 753730071 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | — | $39K | 11.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 427 S BOSTON AVENUE SUITE 502 TULSA, OK 741034110 | DELTA DENTAL | $5K | — | $5K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL | $5K | — | $5K | 4.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL | $7K | — | $7K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $88 | $3K | 10.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 730182 DALLAS, TN 75373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $9 | $9 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES(OK) LLC | 427 S BOSTON AVENUE SUITE 502 TULSA, OK 741034110 | AMERITAS LIFE INSURANCE CORP. | $1K | $60 | $1K | 4.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 W MAIN STREET SUITE 1250 BOISE, ID 837025828 | AMERITAS LIFE INSURANCE COMPANY | — | $525 | $525 | 3.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES OK LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $683 | — | $683 | 7.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $606 | — | $606 | 7.05% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 415 | $6.0M |
| Dental(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 596 | $513K |
| Vision(3 contracts, 3 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 498 | $77K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 596 | $400K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $40K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 596 | $368K |
| Prescription drug(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 415 | $6.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.