| 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 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $160K | $43K | $203K | 2.84% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.16% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.74% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 14.81% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY CO. | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $927 | $927 | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 1401 BRENTWOOD BLVD ST 625 ST. LOUIS, MO 63144 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 1.99% |
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 | 1,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 2,024 | $7.2M |
| Dental | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 2,024 | $7.2M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,742 | $105K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 527 | $401K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 527 | $276K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 2,024 | $7.2M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 527 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,024 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.