| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | $25K | — | $25K | 2.95% |
| JAMES HELLMUTH3 | 8401 CONNECTICUT AVE, SUITE 501 CHEVY CHASE, MD 20815 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $8K | $52K | 11.67% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH AND ASSOCIATES INC | 8401 CONNECTICUT AVE, SUITE 501 CHEVY CHASE, MD 20815 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $5K | $24K | 12.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $5K | $548 | $5K | 11.56% |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 299 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | 222 | $908K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 673 | $443K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 272 | $117K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 968 | $448K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 523 | $191K |
| Prescription drug(2 contracts, 2 carriers) | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | 222 | $908K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 968 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.