| 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 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 3.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 1.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 1.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 0.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.32% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.87% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 318 E CARRUTH LANE DOUBLE OAK, TX 75077 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 2.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 9.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $652 | $652 | 1.74% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GROUP BENEFIT CONCEPTS | 428 NE 17 WAY FORT LAUDERDALE, FL 33301 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $89 | $89 | 0.24% |
| ACRISURE LLC3 Filed as: ACRISURE OF CA LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $82 | $82 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINSTRATION LLC | 121 RIVER STREET FLOOR 5 HOBOKEN, NJ 07030 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $42 | $42 | 0.11% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF ARIZONA | 117 | $23K |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 394 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 394 | $570K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 394 | $570K |
| Other(2 contracts, 2 carriers) | METROPOLITAN GENERAL INSURANCE COMPANY | 173 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.