| 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. | $3K | — | $3K | 0.43% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | — | $18 | 0.00% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.56% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.65% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $230 | — | $230 | 0.12% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.98% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 4.96% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | — | $162 | 0.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $4 | — | $4 | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 501 MERRITT 7 NORWALK, CT 06856 | DELTA DENTAL OF CT, INC. | $6 | — | $6 | 0.82% |
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 | 2,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 24 | $184K |
| Dental(4 contracts) | DELTA DENTAL OF CT, INC. | 3,309 | $780K |
| Vision | VISION SERVICE PLAN | 1,347 | $192K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,066 | $503K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,043 | $246K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,002 | $238K |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 2,649 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,309 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.