| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $50K | $112K | 2.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL2 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 445 SOUTH STREET MORRISTOWN, NJ 07960 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $5K | — | $5K | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 NONE | Investment management Service code 28 | — | $300K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Custodial (securities); Accounting (including auditing) Service code 10 | — | $30K |
| AON HEWITT INVESTMENT CONSULTING EIN 22-2232264 NONE | Consulting (general); Actuarial Service code 11 | — | $23K |
| CONDUENT INCORPORATED EIN 81-2983623 NONE | Actuarial; Account maintenance fees Service code 11 | — | $8K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Custodial (other than securities) Service code 18 | — | $7K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,195 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 217 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 217 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,835 | $4.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,835 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,835 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.