| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH CARE SERVICE CORPORATION | $180K | — | $180K | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $19K | — | $19K | 5.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 17.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 5.16% |
| DAVID M COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE CO | $8K | — | $8K | 5.68% |
| MARY E MERICA3 | 5211 N 150 ST OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 1.63% |
| DEELORALEE A COUGHLIN3 Filed as: DEELORALEE COUGHLIN | 4906 N 139TH AVE OMAHA, NE 68164 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 1.48% |
| MITCHELL FRIEHE & ASSOCIATES INC3 Filed as: MITCHELL FRIEHE & ASSOCIATES | 16909 PALISADE S DR OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE CO | $1K | — | $1K | 1.03% |
| DANIEL E ELLIS3 Filed as: DANIEL ELLIS | 751 HEBRON PARKWAY, SUITE 220 LEWISVILLE, TX 75057 | CONTINENTAL AMERICAN INSURANCE CO | $1K | — | $1K | 0.91% |
| DIANE BANG3 | 8501 N 180TH ST BENNINGTON, NE 68007 | CONTINENTAL AMERICAN INSURANCE CO | $952 | — | $952 | 0.66% |
| DAVID J MCCLELLAN3 Filed as: DAVID J BECK | 19007 BOYD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE CO | $858 | — | $858 | 0.60% |
| ROBERT E. DUNCAN3 Filed as: ROBERT J OLSEN | 11112 AMARILLO ST ALTA LOMA, CA 91701 | CONTINENTAL AMERICAN INSURANCE CO | $714 | — | $714 | 0.50% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE CO | $437 | — | $437 | 0.30% |
| MARK FRIEHE3 | 4611 S 96TH ST, SUITE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE CO | $430 | — | $430 | 0.30% |
| KARMIE K COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE CO | $351 | — | $351 | 0.24% |
| ANN C BECK3 | 19007 BOYD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE CO | $346 | — | $346 | 0.24% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DRIVE BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE CO | $220 | — | $220 | 0.15% |
| BETTE ANN POWELL3 Filed as: BETTE A POWELL | 5002 DIXIE GARDEN DRIVE SHREVEPORT, LA 71105 | CONTINENTAL AMERICAN INSURANCE CO | $121 | — | $121 | 0.08% |
| HEATHER POWELL3 | 12618 SLIPPERY ROCK RD INDIANAPOLIS, IN 46236 | CONTINENTAL AMERICAN INSURANCE CO | $71 | — | $71 | 0.05% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE CO | $58 | — | $58 | 0.04% |
| JOSHUA J CONTRERAS3 | 2012 E RANDOL MILL RD STE 207A ARLINGTON, TX 76011 | CONTINENTAL AMERICAN INSURANCE CO | $36 | — | $36 | 0.03% |
| CHRISTY F MELANCON3 | 172 HERITAGE PKWY BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE CO | $29 | — | $29 | 0.02% |
| LAURA L STATOS3 | 2523 BERT KOUNS STE 121 SHREVEPORT, LA 71118 | CONTINENTAL AMERICAN INSURANCE CO | $26 | — | $26 | 0.02% |
| MICHAEL S CEJKA3 | 613 CEDAR ST HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE CO | $24 | — | $24 | 0.02% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 1563 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE CO | $17 | — | $17 | 0.01% |
| MICHAEL SCHROEDER3 | 412 BONVUE ST LAKE CHARLES, LA 70605 | CONTINENTAL AMERICAN INSURANCE CO | $16 | — | $16 | 0.01% |
| MARIA N VONDIELINGEN3 | 6023 DRAWBIRDGE LN INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE CO | $15 | — | $15 | 0.01% |
| ASHLEY L SHAW3 | 603 EAST WASHINGTON STE 100 INDIANAPOLIS, IN 46204 | CONTINENTAL AMERICAN INSURANCE CO | $10 | — | $10 | 0.01% |
| SKYE A VERGENAL3 | 715 MALLARD CV NEW IBERIA, LA 70560 | CONTINENTAL AMERICAN INSURANCE CO | $4 | — | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $15 | — | $15 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SVCS AGREEMENT | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $73K |
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 | 2,329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 3,499 | $13.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 355 | $51K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,329 | $147K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | 2,329 | $329K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,329 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,499 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.