| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC. | 2101 6TH AVE. NORTH SUITE 725 BIRMINGHAM, AL 35203 | THE STANDARD INSURANCE CO | $21K | — | $21K | 12.67% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO | $10K | — | $10K | 9.79% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO | $3K | — | $3K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA INSURANCE CO | $2K | — | $2K | 2.30% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | STONEBRIDGE LIFE | $2K | — | $2K | 9.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STONEBRIDGE LIFE | $496 | — | $496 | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UFCW HEALTH & WELFARE FUND EIN 22-1458594 INSURANCE SERVICES | Insurance agents and brokers Service code 22 | 66 GRAND AVE ENGLEWOOD, NJ 07631 | $2.9M |
| CONNECTICUT GENERAL LIFE INS CO EIN 06-0303370 CLAIM ADMINISTRATOR | Contract Administrator; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Other services; Non-monetary compensation; Claims processing Service code 12 | — | $24K |
| WILLIS OF ALABAMA INC BROKER | Insurance agents and brokers Service code 22 | 2101 6TH AVE N SUITE 725 BIRMINGHAM, AL 35203 | $21K |
| AMWINS EIN 05-0461576 AGENT | Insurance agents and brokers Service code 22 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $12K |
| MERCER HEALTH & BENEFITS EIN 34-2015463 BROKER | Insurance agents and brokers Service code 22 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $10K |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO | 32 | $99K |
| Life insurance | THE STANDARD INSURANCE CO | 281 | $162K |
| Short-term disability | THE STANDARD INSURANCE CO | 281 | $162K |
| Prescription drug | STONEBRIDGE LIFE | 23 | $24K |
| Other | THE STANDARD INSURANCE CO | 281 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
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.