| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - MIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 7.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA SUITE 3201 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 5.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - MIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 7.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA SUITE 3201, 165 BROADWAY NEW YORK, NY 10006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 6.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $4K | — | $4K | 5.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $4K | — | $4K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - MIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $2K | $425 | $3K | 5.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | 199 WATER STREET NEW YORK, NY 10038 | UNUM INSURANCE COMPANY | $2K | — | $2K | 3.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM INSURANCE COMPANY | — | $297 | $297 | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | ONE LIBERTY PLAZA 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 12.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - MINNEAPOLIS | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | UNUM INSURANCE COMPANY | $685 | $259 | $944 | 2.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - MIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $558 | $217 | $775 | 1.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - NEW YORK | 199 WATER STREET NEW YORK, NY 10038 | UNUM INSURANCE COMPANY | $590 | — | $590 | 1.50% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA AND BLUE PLUS | 894 | $5.9M |
| Vision | VISION SERVICE PLAN | 382 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 464 | $349K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 464 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 464 | $173K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 464 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 894 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.