| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VERATRUS BENEFIT SOLUTIONS | $10K | $0 | $10K | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF IOWA | $16K | $1K | $17K | 3.48% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, LLC | PO BOX 1863 CEDAR RAPIDS, IA 52406 | DELTA DENTAL OF IOWA | $0 | $273 | $273 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $18K | $727 | $19K | 10.41% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $23K | $475 | $23K | 20.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $6K | $316 | $7K | 8.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $15K | $238 | $15K | 20.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $15K | $278 | $15K | 20.38% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $3K | $3K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $4K | $310 | $5K | 6.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $13K | $277 | $13K | 20.44% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | $3K | $3K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $987 | $47 | $1K | 10.48% |
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 | 2,480 | 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. |
| Total participants (= "Plan participants" tile) | 2,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF IOWA | 990 | $497K |
| Vision | VERATRUS BENEFIT SOLUTIONS | 1,364 | $592K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 2,035 | $250K |
| Short-term disability | RELIANCE STANDARD LIFE INSURNACE COMPANY | 332 | $113K |
| Long-term disability(3 contracts) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 2,035 | $226K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURNACE COMPANY | 2,035 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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.