| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $62K | $62K | 3.05% |
| ANGELIA J TERRY3 | 104 MCKINLEY STREET MADISON, TN 37115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $40K | $43K | 2.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $114K | — | $114K | 15.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.62% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $733 | $11K | 6.28% |
| ANGELIA JACKSON TERRY3 | 107 POINT EAST DRIVE SUITE A NASHVILLE, TN 37216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $11K | 7.97% |
| ANGELIA JACKSON TERRY3 | 107 POINT EAST DRIVE SUITE A NASHVILLE, TN 37216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - MEMPHIS | 200 E RANDOLPH STREET CHICAGO, IL 60601 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.62% |
| THE PRINCE AGENCY3 | 107 POINT EAST DRIVE SUITE A NASHVILLE, TN 37216 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $804 | — | $804 | 1.12% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $2.0M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 299 | $312K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 404 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $751K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $751K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $751K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 620 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.