| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $0 | $910 | $910 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2711 NORTH HASKELL, SUITE 2000 DALLAS, TX 75204 | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | $230 | $0 | $230 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $12K | 1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 0.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DRIVE, SUITE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $122K | $0 | $122K | 41.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $62K | $0 | $62K | 20.93% |
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 | 6,876 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,826 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 2,862 | $718K |
| Vision | VISION SERVICE PLAN | 1,951 | $160K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,037 | $991K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,037 | $991K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,037 | $991K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANIES AND AFFILIATES | 1,826 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,037 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,037 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.