| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | CAREFIRST BLUECHOICE, INC. | $12K | $55K | $68K | 6.92% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $16K | $16K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.62% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| AXIM GLOBAL STRATEGIES GROUP3 Filed as: AXIM GLOBAL STRATEGIES GROUP, LLC | 8925 WEST POST ROAD, SUITE 105 LAS VEGAS, NV 89148 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.38% |
| UNKNOWN3 | UNKNOWN ARLINGTON, VA 22202 | VISION SERVICE PLAN | $720 | $0 | $720 | 4.21% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 247 | $976K |
| Dental | CAREFIRST BLUECHOICE, INC. | 247 | $976K |
| Vision | VISION SERVICE PLAN | 115 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $103K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $103K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 247 | $976K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.