| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2 | $228 | $230 | 0.02% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 1.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STRET SUITE 900 KANSAS CITY, MO 64112 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICGO, IL 60674 | SYMETRA LIFE INSURANCE COMPANY | $788 | — | $788 | 1.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INSURANCE BROKERS LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 641843844 | HARTFORD LIFE AND ACCIDENT | $7K | $3K | $10K | 23.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.89% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 641843844 | VISION SERVICE PLAN | $1K | — | $1K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $812 | — | $812 | 2.20% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $4K | 26.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 641843844 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $567 | $374 | $941 | 24.89% |
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 | 555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 653 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 332 | $2.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 563 | $147K |
| Vision | VISION SERVICE PLAN | 370 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 294 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $4K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 332 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.