| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $27K | $61K | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $120K | — | $120K | 9.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $70K | — | $70K | 9.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $24K | — | $24K | 4.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA INSURANCE COMPANY | $19K | — | $19K | 4.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 4.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $1K | $19K | 7.79% |
| BENEFITSTORE INC3 | 100 BENFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 6.98% |
| GARY YARBOROUGH3 | 118 PARADISE LANE BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVE. 30TH FLOOR PITTSBURGH, PA 15222 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $1K | $20K | 12.37% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 11.64% |
| GARY YARBOROUGH3 | 118 PARADISE LANE BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $919 | — | $919 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $778 | — | $778 | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $1K | $20K | 15.53% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 14.61% |
| GARY YARBOROUGH3 | 118 PARADISE LANE BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $986 | — | $986 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 S WACKER DR SUITE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.46% |
| GARY YARBOROUGH3 | 118 PARADISE LANE BAY SAINT LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $767 | — | $767 | 1.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $510 | — | $510 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $353 | $353 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $200 | — | $200 | 4.06% |
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 | 4,004 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 704 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 174 | $768K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,180 | $2.1M |
| Vision | VISION SERVICE PLAN | 2,894 | $525K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,299 | $1.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,724 | $761K |
| Other(7 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 4,299 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,180 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.