| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38K | — | $38K | 13.59% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 8.58% |
| MARY E SCHATZ3 | 1102 TONTI ROAD MARQUETTE, MI 49855 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.39% |
| ELENA F FRYCZYNSKI3 Filed as: ELENA F SCHATZ | 115 MICHIGAN AVE GLADSTONE, MI 49837 | CONTINENTAL AMERICAN INSURANCE COMPANY | $869 | — | $869 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LEGAL CLUB OF AMERICA | $3K | — | $3K | 19.86% |
| BENEPORT LLC3 Filed as: BENEPORT, LLC | 28059 US HWY 19 N #201 CLEARWATER, FL 33761 | LEGAL CLUB OF AMERICA | $65 | — | $65 | 0.45% |
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 | 1,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,282 | $282K |
| Life insurance | STANDARD INSURANCE COMPANY | 6,169 | $279K |
| Long-term disability | STANDARD INSURANCE COMPANY | 729 | $146K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 6,169 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.