| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J MANNING AND ASSOCIATES0 | 1034 N ASHLAND CHICAGO, IL 60622 | JOHN HANCOCK | $3K | — | $3K | 4.20% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 NORTH WACKER DR. #1500 CHICAGO, IL 60606 | JOHN HANCOCK | $2K | — | $2K | 2.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| J MANNING & ASSOCIATES CONTRACT ADMINISTRATOR | Consulting fees Service code 70 | 1034 N ASHLAND CHICAGO, IL 60622 | $3K |
| JOHN HANCOCK INSURANCE | Consulting fees Service code 70 | — | $2K |
| MERCER HEALTH & BENEFITS LLC CONTRACT ADMINISTRATOR | Consulting fees Service code 70 | 155 NORTH WACKER DRIVE #1500 CHICAGO, IL 60606 | $2K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | JOHN HANCOCK | 0 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.