| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH NET | $97K | — | $97K | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | — | $56K | 15.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 15.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | — | $3K | 2.52% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 6.59% |
| ANDREINI AND COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 94403 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, FL 14 ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $745 | — | $745 | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR, SUITE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $325 | — | $325 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR, STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 10.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 2.11% |
| BROKERAGE SOLUTIONS INC3 | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 18.10% |
| PATRICIA TYLER3 | 777 S FIGUEROA ST #2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.58% |
| ABRAHAM ELHADDI3 | 777 S FIGUEROA ST #2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| THOMAS L PETSCHE3 Filed as: THOMAS L PETSCHE JR | 3979 PARK TOWNE CT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $838 | — | $838 | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE UNIVERSITY SQUARE DRIVE SUITE 100 PRINCETON, NJ 08540 | STANDARD INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| JASON M KING3 | 777 S FIGUEROA ST #2400 LOS ANGELES, CA 90017 | STANDARD INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 10.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.89% |
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 | 951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 505 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 330 | $39K |
| Vision | VISION SERVICE PLAN | 692 | $107K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 951 | $459K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 281 | $98K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 951 | $188K |
| Prescription drug | HEALTH NET | 350 | $3.3M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 951 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.