| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, TN 46208 | PRUDENTIAL | — | $343 | $343 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | AETNA LIFE INSURANCE CO | $113K | — | $113K | 45.84% |
| MARSHALL GROUP INC4 | 265 N 700 W BLACKFOOT, ID 83221 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $8K | — | $8K | 11.53% |
| EVA SUE THOMAS4 | 669 W 200 N BLACKFOOT, ID 83221 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $47 | — | $47 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $1.8M |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, NE 06156 | $27K |
| INSPIRA FINANCIAL HEALTH, INC EIN 91-1774434 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | PO BOX 2239 OMAHA, CT 68103 | $25K |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATOR | Other fees Service code 99 | 1 PRUDENTIAL PLAZA 130 E RANDOLPH STREET, SUITE 700 CHICAGO, IL 60601 | $0 |
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 | 1,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 147 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 1,106 | $2.2M |
| Vision | VISION SERVICE PLAN | 1,273 | $348K |
| Life insurance | PRUDENTIAL | 1,632 | $635K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 1,628 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 736 | $646K |
| Other(6 contracts, 2 carriers) | PRUDENTIAL | 1,632 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,632 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.