| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 2.29% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 2ND ST STE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.54% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE, INC | SUITE 401 NORTH TOWER 303 2ND STREET SAN FRANCISCO, CA 94107 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $387 | — | $387 | 0.42% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 26.19% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 19.35% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $900 | $183 | $1K | 6.94% |
| C MARIE ADAMS VOLK3 Filed as: C MARIE ADAMAS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $383 | $1K | 6.48% |
| BRIAN LYNCH3 | 3611 GENESEE PL PHILADELPHIA, PA 19154 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $26 | $692 | 4.44% |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $83 | $337 | 2.16% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $93 | $298 | 1.91% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $36 | $189 | 1.21% |
| GEORGE MICHAEL SORRENTINO3 | 1123 ALEXANDRIA DRIVE SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $58 | $113 | 0.72% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD. COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $27 | $102 | 0.65% |
| DANA MARIE MOWATT3 Filed as: DANA MOWATT | 23701 S. WESTERN AVENUE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $22 | $86 | 0.55% |
| BARBARA BAROS3 Filed as: BARBARA LAKE | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $6 | $70 | 0.45% |
| MARIA VERONICA JARQUE3 Filed as: MARIA JARQUE | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $7 | $42 | 0.27% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | — |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST STE 401 SAN FRANCISCO, CA 94107 | METROPOLITAN LIFE INSURANCE COMPANY | $940 | — | $940 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4656 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $742 | $742 | — |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $946K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $946K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $93K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $93K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $93K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $946K |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 182 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.