| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $360K | $33K | $392K | 3.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 11.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | MCS LIFE INSURANCE COMPANY | $987 | — | $987 | 4.18% |
| VIDAL & RODRIGUEZ3 Filed as: VIDAL AND RODRIGUEZ, INC. | CAPITAL CENTER BUILD SUITE 501 AVE. ARTERIAL HOSTOS #239 SAN JUAN, PR 00918 | MCS LIFE INSURANCE COMPANY | $213 | — | $213 | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $3K | — | $3K | 20.00% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Dental | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 536 | $95K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,480 | $11.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.