| 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 606740045 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $91K | $16K | $106K | 2.22% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $24K | $0 | $24K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 12.43% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.27% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | AMERICAN HERITAGE LIFE | $1K | $258 | $2K | 3.90% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE | $1K | $0 | $1K | 3.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE | $762 | $0 | $762 | 1.95% |
| JIM TAYLOR4 | 8512 BAYOU WAY LOUISVILLE, KY 402423006 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $1K | $0 | $1K | 9.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | HUMANA HEALTH PLAN, INC. | $179 | $0 | $179 | 3.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | THE DENTAL CONCERN, INC. | $7 | $0 | $7 | 7.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | EMPHESYS INSURANCE COMPANY | $3K | $0 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMAN DEVELOPMENT CO NONE | Contract Administrator Service code 13 | 1930 BISHOP LANE, SUITE 603 LOUISVILLE, KY 40218 | $12K |
| BENEFIT MARKETING SOLUTIONS, LLC EIN 61-1326034 NONE | Insurance services Service code 23 | — | $6K |
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 | 445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 789 | $4.8M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 789 | $4.8M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 789 | $4.8M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 445 | $159K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 445 | $61K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 445 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.