| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | $110K | — | $110K | 2.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CARE NETWORK OF MICHIGAN | $32K | — | $32K | 4.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 2.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 3.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.97% |
| STEPHEN C PLATNER3 | 11 CHESHAM WAY FAIRPORT, NY 14450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| LARRY L JENKINS3 Filed as: LARRY JENKINS | 545 W MAIN STREET SUITE 100 DOTHAN, AL 36301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $919 | — | $919 | 0.77% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INSURANCE AGENCY, INC | 8055 E TUFTS AVENUE SUITE 1000 DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $655 | — | $655 | 0.55% |
| KATIE J FLETCHER3 | 9247 N MERIDIAN INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $514 | — | $514 | 0.43% |
| JEFFREY P PRICE3 | 3864 S QUINCES STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | — | $462 | 0.39% |
| BRENDAN MCCARTHY AND CREW INC3 Filed as: BRENDAN MCCARTHY AND CREW, INC. | 1411 CHILI AVENUE SUITE 3 ROCHESTER, NY 14624 | CONTINENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.27% |
| KRISTA K PRICE3 | 3864 S QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.21% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNESS DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.19% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | — | $232 | 0.19% |
| SHEILA T SHAWEN3 | 2717 MIAMISBURG CENTERVILLE ROAD SUITE 215 DAYTON, OH 45459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $224 | — | $224 | 0.19% |
| MICHAEL FOWLER3 Filed as: MICHAEL R FOWLER | 1550 OPELIKA ROAD SUITE 35 AUBURN, AL 36830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.11% |
| NANCY LAPHAM3 Filed as: NANCY L HARMON | 3925 S QUATAR STREET AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.08% |
| JONATHAN SAMUEL KIRKLAND3 Filed as: JONATHAN S KIRKLAND | 4245 MILGEN ROAD COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.07% |
| JANET ROSS3 Filed as: JANET E ROSS | 320 N FENWAY AVENUE BARTLESVILLE, OK 74006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.07% |
| DOUGLAS M BELSER3 | 4337 E GRAND RIVER AVENUE SUITE 136 HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.06% |
| KIEFER GROUP INSURANCE AGCY LLC3 Filed as: KIEFER GROUP AGENCY LLC | 12002 SOUTH MILONA DRIVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.06% |
| JOSE DE LOS SANTOS III3 | 155 INVERNESS DRIVE WEST SUITE 300 DENVER, CO 80112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.03% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| SPENCER GRODEN3 | 202 N ARMSTRONG BIXBY, OK 74008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| RONALD A DASHKOVITZ3 | 1901 N FAIRVIEW AVENUE LANSING, MI 48912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| J MERRITT MCDOLE3 | 12120 SW FOOTHILL DRIVE PORTLAND, OK 97225 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.36% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 800 W MAIN STREET BOISE, ID 83702 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CARE NETWORK OF MICHIGAN | $462 | — | $462 | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 943 | $5.5M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 417 | $429K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 417 | $1.2M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 618 | $322K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 367 | $154K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 361 | $75K |
| Prescription drug(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 943 | $5.5M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 357 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.