| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60K | $0 | $60K | 6.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $674 | $6K | 0.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $36K | $0 | $36K | 16.18% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 850502 MINNEAPOLIS, MN 55485 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4 EMBARCADERO CIRCLE, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.26% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | TRANSAMERICA LIFE INSURANCE COMPANY | $510 | $0 | $510 | 0.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 9.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $0 | $214 | $214 | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $0 | $180 | $180 | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN. | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $0 | $71 | $71 | 0.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVENUE OF AMERICAS, SUITE 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
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 | 1,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $31K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $31K |
| Vision | VISION SERVICE PLAN | 964 | $153K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $960K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $31K |
| Other(7 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.