| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $15K | 7.48% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $3K | $11K | 5.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.40% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 5.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.60% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 5.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | — | $1K | 3.35% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 13.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1801 WEST END AVE SUITE 1400 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.25% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $611 | $13K | 36.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $436 | $9K | 26.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 26.27% |
| ROBYN PIPER3 | 2300 W SAHARA AVE., 800 LAS VEGAS, NV 89102 | METLIFE LEGAL PLANS | $596 | — | $596 | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $42 | $42 | 0.32% |
| ROBYN L PIPER3 | 2300 W SAHARA AVE SUITE 800 LAS VEGAS, NV 89102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $681 | $204 | $885 | 7.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $503 | $151 | $654 | 5.52% |
| PIPER, ROBYN L3 Filed as: PIPER ROBYN LEIGH | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1801 WEST END AVE SUITE 1400 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.38% |
| PIPER, ROBYN L3 Filed as: PIPER ROBYN LEIGH | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 33.43% |
| PIPER, ROBYN L3 Filed as: PIPER ROBYN LEIGH | 2300 W SAHARA AVE STE 800 LAS VEGAS, NV 89102 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $465 | — | $465 | 30.65% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.33% |
| CHRISTOPHER R MORRIS3 | 2977 SIDCO DR NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 620 | 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) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,257 | $107K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,222 | $458K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 242 | $76K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 678 | $209K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 678 | $150K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 846 | $105K |
| Other(8 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,257 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,257 | — |
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."
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.