| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $67K | $4K | $71K | 8.81% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC. | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 2.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | -$1K | -$1K | -0.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | — | $22K | 14.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC. | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4 | -$8 | -$4 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 19.76% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 19.85% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | UNKNOWN SANDY SPRINGS, GA 30328 | U.S. LEGAL SERVICES OF GEORGIA, INC. | -$2K | — | -$2K | -5.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | U.S. LEGAL SERVICES OF GEORGIA, INC. | -$5K | — | -$5K | -14.40% |
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 | 1,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 273 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,462 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,300 | $808K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,300 | $808K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,300 | $808K |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,300 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,462 | — |
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.