| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 8.87% |
| AMCORP3 Filed as: AMCORP INS & FINANCIAL SERVICE | 3611 PAESANOS PARKWAY SUITE 100 SAN ANTONIO, TX 78231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $930 | $6K | $7K | 3.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 16.00% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.85% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 28.00% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.80% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.40% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.68% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 26.00% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $966 | $966 | 2.38% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $934 | $934 | 2.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $800 | $800 | 2.56% |
| GCG FINANCIAL LLC3 Filed as: AMCORP, AN ALERA GROUP AGENCY LLC | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $433 | $433 | 3.08% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $371 | $371 | 2.64% |
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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 597 | $184K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 685 | $120K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $88K |
| Long-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $102K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 695 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.