| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $61K | $56K | $117K | 3.64% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY, SUITE 300 DEER PARK, IL 60010 | MINNESOTA LIFE INSURANCE COMPANY | $19K | — | $19K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.15% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY, SUITE 300 DEER PARK, IL 60010 | VISION SERVICE PLAN | $5K | — | $5K | 0.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | — | $4K | 0.33% |
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 | 5,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,422 | $1.1M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 6,319 | $3.2M |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 4,395 | $1.6M |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 6,319 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,319 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.