| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DR URBANDALE, IA 50398 | EXPRESS SCRIPTS, INC. | $78K | — | $78K | 4.77% |
| KTP ADVISORS, INC.3 Filed as: KTP ADVISORS, INC | 130 BELLEVUE AVENUE NEWPORT, RI 02840 | UNITED AMERICAN INSURANCE COMPANY | $69K | — | $69K | 5.49% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 801 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 721 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 769 | $518K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 349 | $8K |
| Life insurance | AETNA LIFE INSURANCE CO. | 769 | $306K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 710 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.