| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $70 | $20K | 6.00% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $69 | $20K | 5.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.90% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $186 | $186 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 9.89% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $894 | $7K | 9.39% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 16509 FORT WORTH, TX 761620509 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 5.84% |
| FROST INSURANCE AGENCY INC3 | 401 CONGRESS AVE FL 14 AUSTIN, TX 787014071 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.11% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | PO BOX 16509 FORT WORTH, TX 761620509 | SAFEGUARD HEALTH PLANS, INC.; A TEXAS CORPORATION | $1K | $0 | $1K | 7.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | SAFEGUARD HEALTH PLANS, INC.; A TEXAS CORPORATION | $1K | $171 | $1K | 6.71% |
| FROST INSURANCE AGENCY INC3 Filed as: FROST INS AGENCY INC | 3611 PAESANOS PKWY STE 100 SAN ANTONIO, TX 782311256 | SAFEGUARD HEALTH PLANS, INC.; A TEXAS CORPORATION | $0 | $113 | $113 | 0.58% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $359K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $76K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.