| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $2K | $40K | 10.46% |
| VANBRIDGE LLC3 Filed as: VANBRIDGE, LLC | 1185 AVE OF THE AMERICAS, 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $882 | $19K | 10.50% |
| VANBRIDGE LLC3 Filed as: VANBRIDGE, LLC | 1185 AVE OF THE AMERICAS, 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | $5K | — | $5K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $96 | $2K | 10.42% |
| VANBRIDGE LLC3 Filed as: VANBRIDGE, LLC | 1185 AVE OF THE AMERICAS, 36 FLOOR NEW YORK, NY 10036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $692 | — | $692 | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.26% |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 222 | $49K |
| Dental | AETNA LIFE INSURANCE COMPANY | 2 | $18K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 790 | $176K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,047 | $384K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,044 | $178K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,047 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,047 | — |
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.