| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75K | $35K | $110K | 3.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BCBS OF ILLINOIS | $82K | — | $82K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $109K | — | $109K | 12.99% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE | 100 BENEFITFOCUS WAY DANIEL ISLAND, SC 294928378 | RELIASTAR LIFE INSURANCE COMPANY | $100K | $4K | $104K | 12.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $12K | — | $12K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $14K | $3K | $17K | 9.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | GUARDIAN | $4K | — | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GUARDIAN | — | $469 | $469 | 1.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 7247-6377 PHILADELPHIA, PA 19170 | HARTFORD LIFE AND ACCIDENT | $5K | $371 | $5K | 21.50% |
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 | 5,804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF ILLINOIS | 246 | $2.8M |
| Dental | GUARDIAN | 86 | $42K |
| Vision | VISION SERVICE PLAN | 4,258 | $586K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,937 | $2.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,937 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | BCBS OF ILLINOIS | 246 | $2.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,937 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,937 | — |
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.