| 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 | SELECTHEALTH | $25K | $8K | $33K | 3.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $13K | $2K | $15K | 14.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 6.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 26.47% |
| NEENA W BEVERLY3 Filed as: NEENA W. BEVERLY | 1888 EAST 6400 SOUTH HOLLADAY, UT 84121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | $0 | $67 | 0.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.56% |
| CRICKET INSURANCE CORPORATION3 | 6573 SOUTH EVENING GLOW COURT WEST VALLEY, UT 84081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.16% |
| TYLER KOHLER3 Filed as: TYLER R. KOHLER | 1323 EAST PINE COVE DRAPER, UT 84020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.12% |
| JERRY DUNCAN Filed as: JERRY F. HOKE | 517 EAST 3270 NORTH LEHI, UT 84043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $565 | $0 | $565 | 7.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $744 | $0 | $744 | 10.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 730182 DALLAS, TX 75373 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3 | $0 | $3 | 0.04% |
| D'ANN DABELL4 Filed as: ANN D. DABELL | 1174 NORTH 2000 EAST LAYTON, UT 84040 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $279 | $0 | $279 | 7.94% |
| HIGH POINT ALLIANCE4 | 1119 EAST BIRCHBROOK CIRCLE COTTONWOOD HEIGHTS, UT 84047 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $146 | $0 | $146 | 4.16% |
| JUDY E. BAIRD4 | PO BOX 938 KAMAS, UT 84036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $133 | $0 | $133 | 3.79% |
| MERCER HEALTH AND BENEFITS, LLC4 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $121 | $0 | $121 | 3.45% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 238 | $914K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $91K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 86 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 108 | $102K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 18 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 108 | $102K |
| Prescription drug | SELECTHEALTH | 238 | $914K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 108 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.