| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1801 W END AVE STE 1400 NASHVILLE, TN 37203 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | $424K | $481K | 5.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102K | $19K | $121K | 17.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $10K | $42K | 19.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1801 WEST END AVE STE 1500 NASHVILLE, TN 37203 | SYMETRA LIFE INSURANCE COMPANY | $64K | — | $64K | 45.88% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 6.49% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 381199171 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.68% |
| BAKER BIRDWELL LLC3 | 5200 MARYLAND WAY, SUITE 302 BRENTWOOD, TN 370275072 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.37% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 381124416 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.98% |
| BARNETT BENEFITS LLC3 Filed as: THE BARNETT GROUP | 7906 PLAYERS FOREST DR MEMPHIS, TN 381199171 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $6K | $25K | 19.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $19K | 19.76% |
| VARIOUS - SEE ATTACHED3 | POST OFFICE BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 18.08% |
| INS CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE #204 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $757 | — | $757 | 5.96% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 1.59% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT EDWIN W | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | — | $193 | 1.52% |
| INS CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE #204 MEMPHIS, TN 38117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $209 | — | $209 | 4.22% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE SUITE 200 MEMPHIS, TN 38112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $179 | — | $179 | 3.62% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT EDWIN W | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 1.35% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT EDWIN W | 7906 PLAYERS FOREST DR STE 1 MEMPHIS, TN 38119 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 12.04% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,640 | $8.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,640 | $8.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,640 | $8.7M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 769 | $286K |
| Short-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 701 | $411K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 769 | $744K |
| Other(8 contracts, 5 carriers) | SYMETRA LIFE INSURANCE COMPANY | 901 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,640 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.