| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $29K | $0 | $29K | 5.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $8K | $10K | $17K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $287 | — | $287 | 0.05% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $16 | $16 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 10.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $524 | $0 | $524 | 3.35% |
| SMART SOLUTIONS LLC3 | PO BOX 126 RODANTHE, NC 27968 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 0.85% |
| GROUP AGENCY MANAGEMENT INC.3 Filed as: GROUP AGENCY MANAGEMENT INC | PO BOX 113 VINTON, VA 24179 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $121 | $0 | $121 | 0.77% |
| SUPERIOR LIFE SOLUTIONS, INC.3 Filed as: SUPERIOR LIFE SOLUTIONS, INC | 1607 WRENWOOD WAY MOUNT JULIET, TN 37122 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $90 | — | $90 | 0.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD FIRE INSURANCE CO | $335 | $101 | $436 | 19.52% |
| USI INSURANCE SERVICES LLC3 | 333 SOUTH GRAND AVENUE, SUITE 1450 LOS ANGELES, CA 90071 | HARTFORD FIRE INSURANCE CO | $0 | $123 | $123 | 5.51% |
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 | 874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 659 | $151K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 876 | $563K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 876 | $563K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,721 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,721 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.