| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24 FLOOR CINCINNATI, OH 45202 | HUMANA INSURANCE COMPANY | — | $28K | $28K | 2.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $1K | $15K | 24.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS, LLC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $563 | $0 | $563 | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $454 | $0 | $454 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $918 | $8K | 15.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS, LLC | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS, INC. | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.94% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH AND BENEFITS LLC | 1560 SAWGRASS CORPORATE PARKWAY SUITE 300 SUNRISE, FL 33323 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.27% |
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 | 1,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 1,374 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,245 | $203K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,611 | $517K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,526 | $255K |
| Other(7 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,620 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,620 | — |
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.