| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF TEXAS | $192K | — | $192K | 6.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 5.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 15.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.70% |
| DAVID M COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.89% |
| ROBERT E. DUNCAN3 Filed as: ROBERT J OLSON | 2700 W RICHMAN AVE UNIT 187 LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.69% |
| KARMIE K COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.99% |
| DEELORALEE A COUGHLIN3 | 4906 N 139TH AVE OMAHA, NE 68164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| MARY E MERICA3 | 5211 N 150 ST OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| CHRISTY F MELANCON3 | 172 HERITAGE PKWY BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| BETTE ANN POWELL3 Filed as: BETTE A POWELL | 5002 DIXIE GARDEN DRIVE SHREVEPORT, LA 71105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| MITCHELL FRIEHE & ASSOCIATES INC3 Filed as: MITCHELL FRIEHE & ASSOCAITES | 16909 PALISADE S DR OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $941 | — | $941 | 0.70% |
| DIANE BANG3 | 8501 N 180TH STREET N TH STREET, NE 68007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | — | $630 | 0.47% |
| DAVID J MCCLELLAN3 Filed as: DAVID J BECK | 19007 BOYD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $601 | — | $601 | 0.45% |
| JOSHUA J CONTRERAS3 | 2012 E RANDOL MILL RD STE 207A ARLINGTON, TX 76011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 0.26% |
| HEATHER POWELL3 | 12618 SLIPPERY ROCK RD INDIANAPOLIS, IN 46236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $354 | — | $354 | 0.26% |
| DANIEL B ELLIS3 | 751 HEBRON PARKWAY STE 220 LEWISVILLE, TX 75057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.24% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | — | $313 | 0.23% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $258 | — | $258 | 0.19% |
| LAURA L STATOS3 Filed as: LAURA L SANTOS | 2523 BERT KOUNS STE 121 SHREVEPORT, LA 71118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 0.18% |
| ANN C BECK3 | 19007 BOYD ST ELKHORM, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.18% |
| SKYE A VERGENAL3 | 715 MALLARD CV NEW IBERIA, LA 70560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.13% |
| MICHAEL SCHROEDER3 | 412 BONVUE ST LAKE CHARLES, LA 70605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.12% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.10% |
| MARIA N VONDIELINGEN3 | 6023 DRAWBIRD GE LN INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.06% |
| ASHLEY L SHAW3 | 603 EAST WASHINGTON STE 100 INDIANAPOLIS, IN 42604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.04% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.03% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 153 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $27 | — | $27 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SVCS AGREEMENT | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $82K |
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 | 2,822 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 3,572 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 395 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,356 | $172K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,353 | $386K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,356 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,572 | — |
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.