| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 Filed as: DIVERSIFIED INSURANCE AN IMA INC CO | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 6.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 3.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | $0 | $24K | 16.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.33% |
| IMA, INC.3 Filed as: DIVERSIFIED INSURANCE, IMA INC | 95 S STATE ST STE 1300 NA, UT 00000 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $827 | $0 | $827 | 0.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BNFTS LLC | 4565 PAYSPEHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $495 | $0 | $495 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINSTRATION LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 0.11% |
| IMA, INC.3 Filed as: DIVERSIFIED INSURANCE AN IMA INC CO | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 3.52% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 1.48% |
| IMA, INC.3 Filed as: IMA, INC | PO BIX 733835 DALLAS, TX 75373 | VSP | $11K | $0 | $11K | 8.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VSP | $4K | $0 | $4K | 2.85% |
| IMA, INC.3 Filed as: DIVERSIFIED INSURANCE AN IMA INC CO | 136 E SOUTH TEMPLE STE 2300 SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.88% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.12% |
| IMA, INC.3 Filed as: IMA INC | NA NA, UT 00000 | DELTA DENTAL INSURANCE COMPANY | $33K | $0 | $33K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | NA NA, AA 00000 | DELTA DENTAL INSURANCE COMPANY | $8K | $0 | $8K | — |
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 | 2,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,155 | $0 |
| Vision | VSP | 597 | $136K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $191K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $144K |
| Stop-loss / reinsurancereinsurance | ACE BENEFIT-RYAN SPECIALTY-OPTUMHEALTH-UNIMERICA | 745 | $876K |
| Other(4 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 988 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,155 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.