| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1050 CONNECTICUT AVE NW SUITE 700 WASHINGTON, DC 20036 | GHMSI | $9K | $217K | $226K | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 3.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | $17K | — | $17K | 3.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 8.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 0.88% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | — | $36K | 8.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 1.40% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | GBG INSURANCE LIMITED | — | $44K | $44K | 11.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 8.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.14% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $625 | $625 | 1.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 701 MARKET ST STE 1100 SAINT LOUIS, MO 63101 | FEDERAL INSURANCE COMPANY | $1K | $172 | $1K | 11.50% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $532 | — | $532 | 5.58% |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | GHMSI | 1,794 | $10.5M |
| Dental(4 contracts, 4 carriers) | GHMSI | 1,794 | $10.5M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 914 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,552 | $812K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,176 | $434K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,176 | $233K |
| Prescription drug(3 contracts, 3 carriers) | GHMSI | 1,794 | $9.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,552 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,794 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.