| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $137K | $142K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 8.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSRUANCE COMPANY AND AFFILIATES | $10K | $134 | $11K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROTH INSURANCE SVCS., LLC | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | MANHATTAN LIFE | $14K | $0 | $14K | 33.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MANHATTAN LIFE | $14K | $0 | $14K | 32.79% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITS SPECIALIST, LLC | 289 FARRIS AVENUE LA VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.84% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: DISTINCTIVE INSRUANCE | 8375 WEST FLAMINGO ROAD, SUITE 102 LAS VEGAS, NE 89147 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $814 | $0 | $814 | 2.33% |
| ALEXANDROS A. SOULIOTES3 | PO BOX 1536 SOLANA BEACH, CA 92075 | TRANSAMERICA LIFE INSURANCE COMPANY | $347 | $0 | $347 | 0.99% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 516 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSRUANCE COMPANY AND AFFILIATES | 313 | $210K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 516 | $4.6M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 583 | $216K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 583 | $216K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 583 | $216K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 516 | $4.6M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 583 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.