| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $127K | $4K | $132K | 11.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROLPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROLPOLITAN LIFE INSURANCE COMPANY | $5K | $49 | $5K | 1.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HELATH & BENEFITS, LLC | 8565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROLPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.80% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELL FARGO INSURANCE | P.O. BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF AMERICA | $17K | $7K | $24K | 7.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 4.96% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $6K | $36K | 18.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | VISION SERVICE PLAN | $655 | — | $655 | 0.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $10K | 8.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF AMERICA | $21K | $9K | $30K | 76.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 47.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | P.O. BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF AMERICA | $1K | $523 | $2K | 7.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.68% |
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 | 2,886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,379 | $1.3M |
| Dental | METROLPOLITAN LIFE INSURANCE COMPANY | 2,303 | $482K |
| Vision | VISION SERVICE PLAN | 1,411 | $127K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 2,886 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,886 | $328K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 2,886 | $116K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,379 | $1.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 2,886 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,886 | — |
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.