| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $67K | — | $67K | 6.74% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | RELIASTAR LIFE INSURANCE COMPANY | $32K | — | $32K | 3.26% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA, GA | PO BOX 905494 CHARLOTTE, NC 282905494 | EYEMED VISION CARE | $16K | — | $16K | 3.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 ASO | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $2.3M |
| VIRGIN HEALTH MILES EIN 20-2547480 NONE | Actuarial Service code 11 | 492 OLD CONNECTICUT PATH, SUITE 601 FRAMINGHAM, MA 01701 | $217K |
| KILPATRICK STOCKTON EIN 58-0511774 NONE | Legal Service code 29 | — | $83K |
| CERIDIAN EIN 41-1981625 NONE | Claims processing Service code 12 | — | $67K |
| WELLS FARGO EIN 06-0927564 NONE | Investment advisory (participants) Service code 26 | — | $30K |
| PEACHTREE TRAVEL CLINIC NONE | Claims processing Service code 12 | 275 COLLIER RD NW #450 ATLANTA, GA 30309 | $10K |
| PASSPORT HEALTH EIN 20-2632239 NONE | Investment management Service code 28 | — | $7K |
| CIGNA | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 3,643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 154 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HMSA | 2 | $7K |
| Vision(3 contracts) | EYEMED VISION CARE | 7,486 | $401K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 3,797 | $991K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,486 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.