| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRITES INSURANCE GROUP LLC3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 9.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 5.31% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $79 | $79 | 0.02% |
| MARK E. CRITES3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | STANDARD INSURANCE CO. | $47K | — | $47K | 13.63% |
| REED HEADLEY SCHNITTKER3 | 2400 DALLAS PKWY, STE. 430 PLANO, TX 75093 | STANDARD INSURANCE CO. | $28K | — | $28K | 8.13% |
| CRITES INSURANCE GROUP LLC3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 9.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.31% |
| MARK E. CRITES3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $882 | — | $882 | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $373 | — | $373 | 0.91% |
| CRITES INSURANCE GROUP LLC3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.31% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., #1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $277 | — | $277 | 2.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $106 | — | $106 | 0.82% |
| CRITES INSURANCE GROUP LLC3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $812 | — | $812 | 9.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $456 | — | $456 | 5.31% |
| CRITES INSURANCE GROUP LLC3 | 2911 TURTLE CREEK BLVD., #405 DALLAS, TX 75219 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $129 | — | $129 | 9.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 5.29% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVE., #1200 DALLAS, TX 75201 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $9 | — | $9 | 2.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $4 | — | $4 | 0.97% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA DENTAL HEALTH OF TEXAS, INC. | 30 | $13K |
| Vision | VISION SERVICE PLAN | 269 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $387K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 23 | $1K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $223K |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE CO. | 307 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.