| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 606614563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $13K | $13K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 4.07% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31K | — | $31K | 24.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.95% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $950 | — | $950 | 4.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $815 | — | $815 | 3.49% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 2.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SERVICES INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $158 | — | $158 | 10.03% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 9.23% |
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 | 1,329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,946 | $518K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,698 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,329 | $300K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,329 | $174K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,329 | $104K |
| Other(7 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,329 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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."
No prospect flags tripped on this filing.