| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IA 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $6K | 15.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $682 | — | $682 | 1.67% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 16.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $532 | — | $532 | 1.72% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | — | $303 | 1.02% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $671 | $3K | 14.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $376 | — | $376 | 2.05% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTIONS | 43370 MOUND ROAD STERLING HEIGHTS, MI 483142022 | VISION SERVICE PLAN | $818 | — | $818 | 5.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $218 | — | $218 | 1.52% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $130 | $2K | 21.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 3.66% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $116 | $1K | 16.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $174 | — | $174 | 2.17% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLINE HEIGHTS, MI 48314 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $92 | $1K | 16.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $118 | — | $118 | 1.64% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 261 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $128K |
| Vision | VISION SERVICE PLAN | 148 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $31K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 261 | $1.2M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.