| 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 | $187K | — | $187K | 6.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 5.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 15.97% |
| KARMIE K COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.92% |
| DAVID M COUGHLIN3 | 10160 BRISTOL DR RANCHO CUCAMONGA, CA 91737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 4.55% |
| MARY E MERICA3 | 5211 N 150 ST OMAHA, NE 68116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| DEELORALEE A COUGHLIN3 | 4906 N 139TH AVE OMAHA, NE 68164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.15% |
| MITCHELL FRIEHE & ASSOCIATES INC3 Filed as: MITCHELL FRIEHE & ASSOCAITES | 16909 PALISADE S DR OMAHA, NE 68136 | CONTINENTAL AMERICAN INSURANCE COMPANY | $973 | — | $973 | 0.74% |
| ROBERT E. DUNCAN3 Filed as: ROBERT J OLSON | 2700 W RICHMAN AVE UNIT 187 LAS VEGAS, NV 89123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | — | $809 | 0.61% |
| DAVID J MCCLELLAN3 Filed as: DAVID J BECK | 19007 BOYD ST ELKHORN, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $682 | — | $682 | 0.52% |
| DIANE BANG3 | 8501 N 180TH STREET N TH STREET, NE 68007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $678 | — | $678 | 0.51% |
| CHRISTY F MELANCON3 | 172 HERITAGE PKWY BROUSSARD, LA 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 0.30% |
| THOMAS E SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 0.27% |
| DANIEL B ELLIS3 | 751 HEBRON PARKWAY STE 220 LEWISVILLE, TX 75057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.23% |
| ANN C BECK3 | 19007 BOYD ST ELKHORM, NE 68022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | — | $270 | 0.20% |
| MARK FRIEHE3 | 4611 S 96TH ST STE 101 OMAHA, NE 68127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.18% |
| CYNTHIA D WELKEN-PLACE3 | 601 CODY DR BISMARK, ND 58503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.10% |
| JOSHUA J CONTRERAS3 | 2012 E RANDOL MILL RD STE 207A ARLINGTON, TX 76011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.09% |
| SKYE A VERGENAL3 | 715 MALLARD CV NEW IBERIA, LA 70560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.05% |
| MICHAEL COPPESS3 | 4910 DODGE ST STE 107 OMAHA, NE 68132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| BETTE ANN POWELL3 Filed as: BETTE A POWELL | 5002 DIXIE GARDEN DRIVE SHREVEPORT, LA 71105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| HEATHER POWELL3 | 12618 SLIPPERY ROCK RD INDIANAPOLIS, IN 46236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.03% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY D CROCKETT | 153 ASHLEY CREEK LN CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| ROSS C NELSON3 Filed as: ROSS NELSON | 2711 LEIGH LANE PAPILLION, NE 68133 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| LAURA L STATOS3 Filed as: LAURA L SANTOS | 2523 BERT KOUNS STE 121 SHREVEPORT, LA 71118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| MICHAEL S CEJKA3 | 613 CEDAR STREET HICKMAN, NE 68372 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| MICHAEL SCHROEDER3 | 412 BONVUE ST LAKE CHARLES, LA 70605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MARIA N VONDIELINGEN3 | 6023 DRAWBIRD GE LN INDIANAPOLIS, IN 46250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ASHLEY L SHAW3 | 603 EAST WASHINGTON STE 100 INDIANAPOLIS, IN 42604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO OF NEW YORK | $36 | — | $36 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN SVCS AGREEMENT | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $79K |
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. |
| 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 | 3,236 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 389 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,267 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,267 | $275K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,267 | $504K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,236 | — |
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.