| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $4K | $27K | 11.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $3K | $29K | 16.55% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $11K | 11.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 22.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 121 RIVER STREET, SUITE 7 HOBOKEN, NJ 07030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 25.00% |
| D'ANN DABELL4 Filed as: D ANN DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $845 | — | $845 | 7.18% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $439 | $0 | $439 | 3.73% |
| GBS BENEFITS INC4 Filed as: GBS BENEFITS, INC. | 2200 SOUTH MAIN STREET SUITE 600 SOUTH SALT LAKE, UT 84115 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $358 | — | $358 | 3.04% |
| JUDY E. BAIRD4 | PO BOX 938 KAMAS, UT 84036 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $34 | $0 | $34 | 0.29% |
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 | 576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $16K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $16K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,461 | $83K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 917 | $247K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 566 | $233K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 548 | $99K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,299 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,461 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.