| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 5700 W 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $22K | $14K | $37K | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 5700 W 112TH STREET, SUITE 100 OVERLAND PARK, KS 66211 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $0 | $272 | $272 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $71K | $37K | $108K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $0 | $321 | $321 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 8.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GREATER KANSAS, INC | 12980 METCALF AVE, SUITE 500 OVERLAND PARK, KS 66213 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $0 | $33K | 13.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 18.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $468 | $0 | $468 | 1.43% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | $0 | $331 | 1.31% |
| THOMAS OWENS3 | PO BOX 781431 WICHITA, KS 67278 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 13.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 12980 METCALF AVE, SUITE 500 OVERLAND PARK, KS 66213 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 7.42% |
| MCINNES GROUP, INC.3 Filed as: MCINNES GROUP INC | 3500 W 75TH STREET, SUITE 200 PRAIRIE VLG, KS 66208 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $137 | $0 | $137 | 0.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $104 | $0 | $104 | 0.71% |
| ALAN ROMAN3 | 7220 PRINCETON AVE SAINT LOUIS, MO 63130 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | $0 | $48 | 0.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | $0 | $138 | 1.50% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,054 | $13.6M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,254 | $478K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,254 | $478K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 622 | $242K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 622 | $113K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 622 | $123K |
| Prescription drug(2 contracts) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 1,054 | $13.6M |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 622 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,254 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.