| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $458K | — | $458K | 10.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $252K | — | $252K | 8.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $232K | $31K | $263K | 24.45% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $232K | $28K | $261K | 24.24% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS, LLC | 770 KIMBALL AVENUE WESTFIELD, NJ 07090 | MINNESOTA LIFE INSURANCE COMPANY | $103K | $16K | $120K | 11.23% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $35K | $6K | $41K | 3.85% |
| GREENLEAF BENEFIT ADVISORS LLC3 | 770 KIMBALL AVENUE WESTFIELD, NJ 07090 | MINNESOTA LIFE INSURANCE COMPANY | $21K | $9K | $30K | 5.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 1.82% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123K | $19K | $142K | 26.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123K | $16K | $140K | 25.67% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISIORS LLC | 770 KIMBALL AVENUE WESTFIELD, NJ 07090 | MINNESOTA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $6K | $930 | $7K | 3.87% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | $13K | $52 | $13K | 8.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HYATT LEGAL PLANS | — | $2K | $2K | 1.27% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | FIRST UNUM LIFE INSURANCE COMPANY | $315 | — | $315 | 14.88% |
| HEALTH AND BENEFIT SYSTEMS, INC.3 Filed as: HEALTH & BENEFIT SYSTEMS INC | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | FIRST UNUM LIFE INSURANCE COMPANY | $315 | — | $315 | 14.88% |
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 | 11,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 11,808 | $2.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,808 | $4.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,808 | $2.8M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,874 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,874 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.