| 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 | $51K | $59K | $110K | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.03% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 12.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.00% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 SAINT LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 12.24% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $14K | 12.17% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L CRANE AGCY CO | 100 N BROADWAY STE 900 ST. LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $164 | $1K | 11.51% |
| CHARLES L CRANE AGENCY CO3 | 100 N. BROADWAY SUITE 900 ST. LOUIS, MO 63102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | $224 | $593 | 16.09% |
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 | 2,460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,539 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,646 | $12.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,646 | $12.5M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,245 | $150K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,319 | $283K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,122 | $123K |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,646 | $12.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.