| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J MANNING AND ASSOCIATES0 | 1034 N ASHLAND CHICAGO, IL 60622 | JOHN HANCOCK | $5K | $0 | $5K | 5.49% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 NORTH WACKER DR. #1500 CHICAGO, IL 60606 | JOHN HANCOCK | $3K | $0 | $3K | 3.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHN HANCOCK INSURANCE | Consulting fees Service code 70 | — | $8K |
| J MANNING & ASSOCIATES CONTRACT ADMINISTRATOR | Consulting fees Service code 70 | 1034 N ASHLAND CHICAGO, IL 60622 | $5K |
| MERCER HEALTH & BENEFITS LLC CONTRACT ADMINISTRATOR | Consulting fees Service code 70 | 155 NORTH WACKER DRIVE #1500 CHICAGO, IL 60606 | $3K |
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 | 14 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 22 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | JOHN HANCOCK | 22 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.