| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 9.22% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BLVD SUITE 2500 HOUSTON, TX 77056 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.09% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $140 | $140 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.58% |
| EPIC3 Filed as: ASCENDE, INC. (EPIC) | 2700 POST OAK BLVD HOUSTON, TX 77056 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.27% |
| ASCENDE, INC.3 Filed as: ASCENDE | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 18.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | $25 | $372 | 5.57% |
| ASCENDE, INC.3 Filed as: ASCENDE | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $484 | — | $484 | 17.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | $14 | $205 | 7.47% |
| ASCENDE, INC.3 Filed as: ASCENDE | 2700 POST OAK BLVD 25TH FLOOR HOUSTON, TX 77056 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 14.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $4 | $60 | 14.39% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 794 | $57K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $290K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $290K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $290K |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 410 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.