| 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 606740045 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 5.00% |
| BOULDER COMMUNITY HEALTH5 | PO BOX 9019 BOULDER, CO 80301 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $50K | $50K | 3.52% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENEUE SUITE 1100 CHICAGO, IL 606036155 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $280 | $280 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $3K | — | $3K | 1.70% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 1.64% |
| TWM THE INSURANCE GROUP3 | 181 EAST 5600 SOUTH STE 240 SALT LAKE CITY, UT 84107 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.83% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER INS, LLC | 1389 CENTER DRIVE STE 200 PARK CITY, UT 84098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1225 17TH ST SUITE 1300 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT | $417 | — | $417 | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $42 | $42 | — |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NC 10016 | HARTFORD LIFE AND ACCIDENT | — | $14 | $14 | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | -$417 | — | -$417 | — |
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 | 1,993 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,059 | $185K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,032 | $1.4M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,032 | $1.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,032 | $1.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,035 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.