| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | USABLE LIFE | $306K | $0 | $306K | 7.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | USABLE LIFE | $269K | $0 | $269K | 6.94% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $155K | $0 | $155K | 4.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON PENNSYLVANIA INC | LOCKBOX #9102 PO BOX 8500 PHILADELPHIA, PA 19178 | USABLE LIFE | $52K | $0 | $52K | 1.33% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 75320 | USABLE LIFE | $24K | $0 | $24K | 0.62% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $344K | $0 | $344K | 13.98% |
| BUCK CONSULTANTS LLC3 | PO BOX 20617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $0 | $31K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $2K | $26K | 1.05% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE WORKPLACE DIVISION | $345K | $0 | $345K | 20.09% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235K | $0 | $235K | 15.36% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $0 | $22K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $1K | $17K | 1.11% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE BENEFITS | $425K | $0 | $425K | 34.64% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 282905494 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50K | $0 | $50K | 13.93% |
| BUCK CONSULTANTS LLC3 | PO BOX 202617 DALLAS, TX 753202617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $253 | $4K | 1.08% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | ALLSTATE BENEFITS | $45K | $0 | $45K | 29.07% |
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 | 114,169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMO MISSOURI, INC. | 458 | $2.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 32,627 | $7.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 32,627 | $7.8M |
| Life insurance | USABLE LIFE | 26,409 | $3.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,410 | $2.5M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,595 | $1.9M |
| Other(6 contracts, 5 carriers) | USABLE LIFE | 114,169 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114,169 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.