| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4365 PAYSPHERE CYCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $100K | — | $100K | 4.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4365 PAYSPHERE CYCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $33K | $33K | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 30 WATERSIDE DR FARMINGTON, CT 06032 | MANHATTANLIFE | $126K | — | $126K | 12.87% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 060340527 | MANHATTANLIFE | $3K | — | $3K | 0.30% |
| ELIZABETH WATTS3 Filed as: ELIZABETH A WATTS | 10300 LINN STATION ROAD LOUISVILLE, KY 40223 | MANHATTANLIFE | $3 | — | $3 | 0.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 294928378 | HARTFORD LIFE AND ACCIDENT | $152K | — | $152K | 19.11% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFIT FOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $170K | — | $170K | 29.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4365 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.73% |
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 | 4,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | PHYSICIANS EYECARE PLAN | 6,467 | $612K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,491 | $2.6M |
| Short-term disability | MANHATTANLIFE | 2,275 | $983K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,491 | $2.1M |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 4,491 | $895K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,467 | — |
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.