| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE ADMIN 34-2015463 CHICAGO, IL 60674 | VOYA | $12K | $0 | $12K | 11.19% |
| TIFFANY ANNE KING3 Filed as: TIFFANY A KING | 1010 LAKE STREET SUITE 430 OAK PARK, IL 60301 | AFLAC | $3K | $0 | $3K | 6.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | AFLAC | $2K | $0 | $2K | 4.99% |
| MJ INSURANCE3 Filed as: AUDREY J SHRIVE AND VARIOUS AGENTS | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $1K | $0 | $1K | 3.05% |
| KATE J FLETCHER3 | 9247 NORTH MERIDIAN INDIANAPOLIS, IN 46260 | AFLAC | $366 | $0 | $366 | 0.83% |
| JAMES M GARNER3 | 8670 WOLFEF COURT SUITE 290 WESTMINISTER, CO 80031 | AFLAC | $333 | $0 | $333 | 0.75% |
| JEFFREY P PRICE3 | 3864 SOUTH QUINCES STREET DENVER, CO 80237 | AFLAC | $302 | $0 | $302 | 0.68% |
| STEPHEN P SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $274 | $0 | $274 | 0.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $2K | $0 | $2K | 9.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE ADMIN 34-2015463 CHICAGO, IL 60674 | EYEMED | $3 | $0 | $3 | 0.02% |
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 | 338 | 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) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED | 398 | $20K |
| Life insurance | VOYA | 323 | $105K |
| Short-term disability | VOYA | 323 | $105K |
| Long-term disability | VOYA | 323 | $105K |
| Other(3 contracts, 3 carriers) | VOYA | 323 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.