| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $20K | — | $20K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $4K | $35K | 7.02% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $2K | $17K | 6.46% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 6.48% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $3K | — | $3K | 1.55% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $702 | — | $702 | 0.35% |
| PENNBROOK INSURANCE SERVICES3 Filed as: PENNBROOK INSURANCE SERVICES, INC. | 300 MONTGOMERY ST-SUITE 450 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.46% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $378 | — | $378 | 0.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $193 | $2K | 6.46% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $484 | — | $484 | 1.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CONNECTICUT, INC. | $660 | — | $660 | 2.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS-34TH FL NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $382 | — | $382 | 5.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $49 | — | $49 | 2.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $12 | — | $12 | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRIT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $8 | — | $8 | 2.40% |
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 | 2,032 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 11 | $87K |
| Dental(5 contracts, 2 carriers) | DELTA DENTAL OF CT, INC. | 3,301 | $832K |
| Vision | VISION SERVICE PLAN | 1,429 | $203K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,032 | $492K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 899 | $230K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,020 | $270K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,000 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,000 | — |
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.