| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $347K | $42K | $389K | 17.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 310502 DES MOINES, IN 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 20.92% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 6.90% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $3K | $29K | 25.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MAGELLAN BEHAVIORAL HEALTH | $8K | — | $8K | 7.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $4K | $47K | 70.26% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET KANSAS CITY, KS 64112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 4.72% |
| HEALTH AND BENEFIT SYSTEMS, INC.4 Filed as: HEALTH & BENEFIT SYSTEMS INC. | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 4.70% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 310502 DES MOINES, IA 50331 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $898 | — | $898 | 2.37% |
| TRACY KATZ LLC4 Filed as: TRACY L. KATZ | 1662 MELTON ROAD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | — | $48 | 0.13% |
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 | 3,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAI'I MEDICAL SERVICE ASSOCIATION | 63 | $334K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF ARKANSAS | 4,166 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,082 | $272K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,110 | $2.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,110 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,110 | $2.2M |
| Other(7 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 7,223 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,223 | — |
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.