| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44K | $44K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33K | $33K | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 1.30% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 6.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.57% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $5K | $23K | 10.70% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | $11K | $51K | 24.29% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $11K | $1K | $12K | 11.65% |
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 | 2,700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 202 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,369 | $424K |
| Vision | VISION SERVICE PLAN | 2,511 | $552K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,253 | $4.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,253 | $3.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,253 | $3.0M |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 5,481 | $1.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,253 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,481 | — |
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."
No prospect flags tripped on this filing.