| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $944 | $32K | 4.08% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 3.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $5K | $25K | 8.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 8.42% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | — | $12K | 9.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $9 | $2K | 4.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $756 | — | $756 | 1.90% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $504 | — | $504 | 1.26% |
| EMPOWER BENEFITS INC3 | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.79% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $15 | $1K | 3.12% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | 3606 ENTERPRISE AVE SUITE 304 NAPLES, FL 34104 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| EMPOWER BENEFITS INC DBA CORESTREAM3 Filed as: EMPOWER BENEFITS, INC. CORESTREAM | 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $1K | $6 | $1K | 7.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $417 | $17 | $434 | 3.17% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | DBA CORESTREAM 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $280 | $280 | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $40 | $52 | $92 | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 15 W S TEMPLE, SUITE 700 SALT LAKE CITY, UT 84101 | HARTFORD LIFE AND ACCIDENT | — | $41 | $41 | 1.49% |
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 | 1,217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 132 | $34K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,149 | $788K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,653 | $133K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,217 | $360K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 940 | $300K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 340 | $190K |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,217 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,149 | — |
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.