| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | $17K | $85K | 8.80% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN HUNTSVILLE, AL 35802 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 2.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $128K | $0 | $128K | 13.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | 2100 ROSS AVENUE SUITE 200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 1.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 1.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS, LLC | 3280 PEACHTREE ROAD NE SUITE 1000 ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROSPERITY LIFE GROUP | $21K | $0 | $21K | 10.00% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROSPERITY LIFE GROUP | 278 | $211K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $971K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,281 | $971K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,588 | $935K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,588 | $935K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,588 | $935K |
| Prescription drug | PROSPERITY LIFE GROUP | 278 | $211K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,588 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,588 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.