| 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 | $59K | $75K | $134K | 2.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 445 SOUTH STREET MORRISTOWN, NJ 07960 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $4K | $55K | $60K | 8.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| T. ROWE PRICE ASSOCIATES, INC. EIN 52-0556948 NONE | Direct payment from the plan; Investment management Service code 28 | — | $330K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (securities); Custodial (other than securities); Direct payment from the plan; Account maintenance fees Service code 18 | — | $53K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $22K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $20K |
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 | 2,102 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,102 | 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 | 191 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 191 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,851 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,851 | — |
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."
No prospect flags tripped on this filing.