| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $179K | $0 | $179K | 16.74% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $71 | $7K | 3.98% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $364 | $3K | 6.28% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $230 | $3K | 9.39% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1 | — | $1 | 0.00% |
| FBC SERVICES INC3 | 14201 N 87TH STREET D141 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $421 | — | $421 | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $108 | $108 | 1.28% |
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 | 457 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 796 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $174K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $39K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $28K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.