| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT. 3042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | $110K | $13K | $123K | 3.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 1.04% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT. 3042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $99K | $31K | $129K | 6.46% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT. 3042 DALLAS, TX 753123042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $100K | $100K | 4.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $6K | $36K | 1.78% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $36K | — | $36K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $11K | — | $11K | 1.19% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.52% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | RELIASTAR LIFE INSURANCE COMPANY | $95K | $3K | $98K | 15.78% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEIFTS, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 4.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METLIFE LEGAL PLANS, INC. | $11K | — | $11K | 7.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $2K | $194 | $2K | 1.74% |
| LOCKTON COMPANIES, LLC3 | DEPT 999228 PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS, INC. | — | $2K | $2K | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION, LLC | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS, INC. | $1K | — | $1K | 0.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 36-1236610 MEDICAL PROVIDER | Contract Administrator; Direct payment from the plan Service code 13 | — | $3.6M |
| CONDUENT HR SERVICES, LLC EIN 81-2983623 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $2.5M |
| SUNLIFE EIN 38-1082080 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $188K |
| UNUM LIFE INSURANCE CO. OF AMERICA EIN 01-0278678 PARTICIPANT RESOURCE | Direct payment from the plan; Contract Administrator Service code 13 | — | $157K |
| CONSUMER MEDICAL RESOURCE, INC. EIN 04-3367006 MEDICAL | Direct payment from the plan; Insurance services Service code 23 | — | $138K |
| AETNA DENTAL EIN 06-6033492 DENTAL PROVIDER | Direct payment from the plan; Insurance services Service code 23 | — | $122K |
| LOCKTON DUNNING EIN 20-3354970 CONSULTANT | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $99K |
| MARATHON HEALTH EIN 26-0103977 OTHER SERVICES | Direct payment from the plan; Other services; Other fees Service code 49 | — | $96K |
| WELLS FARGO INSURANCE SERVICES EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $12K |
| PC PARTNER COMM, INC. EIN 75-2541310 NONE | Participant communication Service code 38 | — | $8K |
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 | 13,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,114 | $665K |
| Vision | VISION SERVICE PLAN | 5,248 | $942K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 30,228 | $3.5M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,696 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,696 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TEXAS | 11,083 | $994K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 30,228 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,228 | — |
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.