| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEWITT INSURANCE BROKERAGE LLC3 | HEWITT INS BRKG/AON EXCHANGE 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | — | $227K | $227K | 15.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH INC | PO BOX 955909 ST. LOUIS, MO 631955909 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $28K | — | $28K | 1.87% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.22% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS SOUTH INC | 4220 DUNCAN AVE STE 401 SAINT LOUIS, MO 63195 | DELTA DENTAL OF MISSOURI | $35K | — | $35K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF MISSOURI | $13K | — | $13K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 5.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | AON MSC# 17819 P.O. BOX 19640 IRVINE, CA 92623 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.07% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON CORPORATION 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $1K | $20K | 13.51% |
| HEWITT INSURANCE BROKERAGE LLC3 | 38030 TREASURY CENTER CHICAGO, IL 606949300 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $838 | — | $838 | 0.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $14 | $14 | 0.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | AN AON COMPANY 897 12TH STREET HAMMOMTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 9.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.48% |
| HEWITT INSURANCE BROKERAGE LLC3 | 39030 TREASURY CENTER CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $106 | $1K | 2.12% |
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 | 2,691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 1,434 | $13.1M |
| Dental | DELTA DENTAL OF MISSOURI | 2,710 | $875K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,479 | $234K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,722 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,722 | $1.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,722 | $1.5M |
| Prescription drug | BLUECHOICE HEALTHPLAN | 1,434 | $13.0M |
| Other(3 contracts, 3 carriers) | BLUECHOICE HEALTHPLAN | 3,429 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,722 | — |
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.