| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81K | — | $81K | 11.40% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $37K | — | $37K | 8.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 741738 ATLANTA, GA 303741738 | VISION SERVICE PLAN | $492 | — | $492 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 731739 DALLAS, TX 75373 | VISION SERVICE PLAN | -$6 | — | -$6 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | — | $34K | 11.00% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | — | $34K | 15.60% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.60% |
| LOCKTON COMPANIES, LLC3 | 325 N OLD WOODWARD AVENUE, STE 370 BIRMINGHAM, MI 48009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $1K | — | $1K | 7.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WECARE THIRD PARTY ADMINISTRAT | Claims processing Service code 12 | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | $1.7M |
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 450 RIVERCHASE PKWY E, PO BOX 995 BIRMINGHAM, AL 35298 | $1.1M |
| AMERICAN BEHAVIORAL BENEFIT MGRS EIN 63-1030881 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | 2204 LAKESHORE DRIVE, STE 135 BIRMINGHAM, AL 35209 | $931K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | PO BOX 1809 ALPHARETTA, GA 30023 | $271K |
| RXBENEFITS, INC EIN 63-1157085 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $25K |
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 | 2,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 0 | $16K |
| Vision | VISION SERVICE PLAN | 1,842 | $437K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,207 | $802K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,253 | $306K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,581 | $709K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,247 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,207 | — |
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.