| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 9.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $796 | — | $796 | 0.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.04% |
| MASA AGENT3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $11K | — | $11K | 15.07% |
| GREG W WOOLLEY Filed as: GREG DAHMS | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $1K | — | $1K | 1.48% |
| CREZEE ENTERPRISES TANNER CREZEE3 | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $546 | — | $546 | 0.72% |
| ANGELICA SAMANIEGO3 Filed as: ANGELICA SAGE | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $7 | — | $7 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | — | $137 | 0.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 85016 | JORGENSEN HEALTHCARE ASSOCIATES INC. DBA JORGENSEN BROOKS GROUP | — | $37K | $37K | 100.00% |
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 | 784 | 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) | 796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 774 | $650K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 828 | $93K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,015 | $375K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 522 | $254K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 982 | $295K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,037 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.