| 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 | $251K | — | $251K | 9.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $41K | $41K | 1.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (TX) INC | 1250 S CAPITAL OF TEXAS HWY. SUITE 600 AUSTIN, TN 78746 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 0.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK) LLC | 4811 GAILLARDIA PARKWAY SUITE 300 OKLAHOMA CITY, OK 73142 | HARTFORD LIFE AND ACCIDENT | -$33K | — | -$33K | -1.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 MAIN STREET SUITE 4400 DALLAS, TX 75201 | DELTA DENTAL OF OKLAHOMA | $52K | — | $52K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $35K | — | $35K | 10.79% |
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 | 3,125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OKLAHOMA | 2,727 | $2.6M |
| Vision | VISION SERVICE PLAN | 2,389 | $325K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,147 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,147 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,147 | $2.7M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 8,523 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,523 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.