| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | $103K | $145K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.04% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.61% |
| STEPHEN J. ALABACH3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.30% |
| 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 | — | $11 | $11 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 6.03% |
| CHARLES L CRANE AGENCY CO3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $549 | — | $549 | 6.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1401 BRENTWOOD BLVD STE 625 ST. LOUIS, MO 63144 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 1401 BRENTWOOD BLVD STE 625 ST. LOUIS, MO 63144 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 2.00% |
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 | 1,370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,078 | $7.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,078 | $7.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 970 | $94K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,442 | $393K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,442 | $274K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,442 | $405K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,442 | — |
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.
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.