| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH NET | $93K | — | $93K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 15.63% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 6.52% |
| ANDREINI AND COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, FL 14 ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 1.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 15.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR, STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $422 | — | $422 | 0.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 9.19% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 27.12% |
| PATRICIA TYLER3 | 777 S FIGUEROA ST #2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 19.56% |
| THOMAS L PETSCHE3 Filed as: THOMAS L PETSCHE JR | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $251 | $8K | 22.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.58% |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTH NET | 398 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 382 | $42K |
| Vision | VISION SERVICE PLAN | 668 | $108K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 935 | $456K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 208 | $120K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 935 | $156K |
| Prescription drug | HEALTH NET | 362 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 935 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.