| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANE G GALEY3 Filed as: JANE GALEY | 214 N BEAUREGARD LANE DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 15.00% |
| JANE G GALEY3 Filed as: JANE GALEY | 214 N BEAUREGARD LANE DESTREHAN, LA 70047 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.25% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | — | $301 | 13.12% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $75K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $231K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $231K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.