| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $102K | $25K | $127K | 8.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $35K | $0 | $35K | 7.49% |
| FLEXVISION3 | 15400 CALHOUN DRIVE, SUITE 125 ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.63% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $4K | $43K | 9.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $100 | $40K | 8.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $56 | $56 | 0.01% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 8.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $100 | $21K | 7.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 34TH FLOOR NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $10K | $1K | $11K | 11.33% |
| D'ANN DABELL4 | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $20K | $0 | $20K | 20.83% |
| JENNIFER RHEAD4 | 4281 NORTH BROOKSBURG WAY MERIDIAN, ID 83646 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $518 | $0 | $518 | 0.55% |
| NANCY SCHMALL4 | 4205 WEST CONCORD AVENUE VISALIA, CA 93277 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $53 | $0 | $53 | 0.06% |
| DIVERSIFIED INSURANCE GROUP4 | 136 EAST SOUTH TEMPLE, SUITE 2300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $30 | $0 | $30 | 0.03% |
| EXAUCE ONDONGO EQUEBAT4 | 9425 SOUTH RIVERSIDE DRIVE 1133 SANDY, UT 84070 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $29 | $0 | $29 | 0.03% |
| BENEFITS PLANNING CORP.4 Filed as: BENEFITS PLANNING CORP | 1 HUNTINGTON QUAD, SUITE 1C09 MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES DBA LEAGALSHIELD | $23 | $0 | $23 | 0.02% |
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 | 4,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,680 | $728K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 6,730 | $469K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,152 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,152 | $1.5M |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 6,397 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,730 | — |
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.