| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF KENTUCKY | $85K | — | $85K | 9.17% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | PO BOX 20829 LOUISVILLE, KY 40250 | DELTA DENTAL OF KENTUCKY | $14K | — | $14K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $42K | — | $42K | 19.42% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 2.21% |
| INSURAMAX INC3 | 805 N. WHITTINGTON PKWY. SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 7.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $14 | $2K | 1.96% |
| INSURAMAX INC3 | 805 N. WHITTINGTON PKWY. SUITE 150 LOUISVILLE, KY 40222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 23.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $9 | $6K | 11.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $5K | — | $5K | 9.12% |
| INSURAMAX INC3 Filed as: INSURAMAX INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | ARAG INSURANCE COMPANY | $448 | — | $448 | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO | $3K | — | $3K | 5.48% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40250 | FOUR EVER LIFE INS CO | $2K | — | $2K | 4.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $846 | — | $846 | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $261 | — | $261 | 6.55% |
| INSURAMAX INC1 Filed as: INSURAMAX, INC. | 2200 GREENE WAY LOUISVILLE, KY 40220 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $92 | — | $92 | 2.31% |
| INSURAMAX INC3 Filed as: INSURAMAX, INC. | 805 N. WHITTINGTON PKWY. SUITE 150 LOUISVILLE, KY 40222 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 1,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS CO | 8 | $52K |
| Dental | DELTA DENTAL OF KENTUCKY | 3,250 | $924K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,605 | $220K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 574 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,250 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.