| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURNACE COMPANY | $497K | — | $497K | 10.38% |
| AVANT SPECIALTY BENEFITS LLC3 Filed as: AVANT SPECIALTY BENEFITS, LLC | 1828 WALNUT STREET SUITE 701 KANSAS CITY, MO 64108 | RELIASTAR LIFE INSURNACE COMPANY | — | $112K | $112K | 2.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $185K | — | $185K | 10.00% |
| UMR, INC.3 Filed as: UMR INC. | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET, SUITE 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $56K | $56K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | RELIASTAR LIFE INSURANCE COMPANY | — | $15K | $15K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $16K | — | $16K | 2.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $3.3M |
| DELTA DENTAL PLAN OF ARKANSAS EIN 71-0561140 NONE | Claims processing Service code 12 | 1513 COUNTRY CLUB ROAD SHERWOOD, AR 72120 | $257K |
| PRUDENTRX LLC NONE | Claims processing Service code 12 | PO BOX 746669 ATLANTA, GA 30374 | $85K |
| OPTUM FINANCIAL EIN 47-0858530 NONE | Claims processing Service code 12 | PO BOX 271629 SALT LAKE CITY, UT 84127 | $73K |
| RXBENEFITS EIN 63-1157085 NONE | Claims processing Service code 12 | — | $71K |
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 | 6,297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,815 | $623K |
| Life insurance | RELIASTAR LIFE INSURNACE COMPANY | 11,218 | $4.8M |
| Short-term disability | RELIASTAR LIFE INSURNACE COMPANY | 11,218 | $4.8M |
| Long-term disability | RELIASTAR LIFE INSURNACE COMPANY | 11,218 | $4.8M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 8,429 | $1.9M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURNACE COMPANY | 11,218 | $4.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,218 | — |
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.
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.