| 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 606740001 | METROPOLITAN LIFE INSURANCE CO. | $5K | $38 | $5K | 3.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE CO. | — | $4K | $4K | 2.35% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC | 1 RIGHTER PKWY, STE 110 WILMINGTON, DE 198031510 | METROPOLITAN LIFE INSURANCE CO. | $234 | — | $234 | 0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO. | $10K | $576 | $11K | 8.63% |
| LYONS INSURANCE AGENCY INC3 | ONE RIGHTER PKWY, STE 110 DELAWARE CORP CENTER WILMINGTON, DE 19803 | RELIANCE STANDARD LIFE INSURANCE CO. | $2K | — | $2K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PASPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO | $8K | $451 | $8K | 8.78% |
| LYONS INSURANCE AGENCY INC3 | ONE RIGHTER PKWY STE 110 DELAWARE CORP CENTER WILMINGTON, DE 19803 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 1.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDAR LIFE INSURANCE CO | $4K | $288 | $5K | 9.01% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | ONE RIGHTER PARKWAY STE 110 DELAWARE CORP CENTER WILMINGTON, DE 19803 | RELIANCE STANDAR LIFE INSURANCE CO | $717 | — | $717 | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO. | $4K | $225 | $4K | 8.71% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | ONE RIGHTER PKWY STE 110 DELAWARE CORP CENTER WILMINGTON, DE 19803 | RELIANCE STANDARD LIFE INSURANCE CO. | $699 | — | $699 | 1.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL VISION ADMINISTRATORS, LLC | $978 | — | $978 | 4.56% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | ONE RIGHTER PKWY, STE 110 DELWARE CORP CENTER ONE WILMINGTON, DE 19803 | NATIONAL VISION ADMINISTRATORS, LLC | $88 | — | $88 | 0.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $68 | $1K | 8.69% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURNACE AGENCY INC | ONE RIGHTER PARKWAY, STE 110 DELAWARE CORP. CENTER WILMINGTON, DE 19803 | RELIANCE STANDARD LIFE INSURANCE CO. | $223 | — | $223 | 1.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO. | $1K | $67 | $1K | 8.75% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | ONE RIGHTER PKWY STE 110 DELAWARE CORP. CENTER WILMINGTON, DE 19803 | RELIANCE STANDARD LIFE INSURANCE CO. | $201 | — | $201 | 1.51% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE CO. | 463 | $158K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 360 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO | 310 | $94K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 297 | $191K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 163 | $46K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 310 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.