| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $43K | $20K | $63K | 4.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $29K | $0 | $29K | 2.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $9K | $29K | 4.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $61K | — | $61K | 10.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES HOUSTON, LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300047604 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 8.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $4K | $893 | $4K | 6.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS | $4K | — | $4K | 4.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $75 | $75 | 0.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 7TH FL NEW YORK, NY 102811003 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $10K | — | $10K | 15.00% |
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 | 3,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,969 | $607K |
| Dental | AETNA INTERNATIONAL | 4 | $3K |
| Vision | VISION SERVICE PLAN | 2,462 | $316K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,467 | $1.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,452 | $673K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 2,882 | $1.6M |
| Other(5 contracts, 5 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,905 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,905 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.