| 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 | $39K | $31K | $69K | 2.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL2 BOSTON, MA 021101700 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Custodial (other than securities); Custodial (securities); Investment management Service code 18 | — | $199K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing) Service code 10 | — | $30K |
| AON CONSULTING INC. EIN 22-2232264 NONE | Consulting (general); Actuarial Service code 11 | — | $22K |
| SSGA MSCI ACWI EX USA NON LENDING EIN 80-6103053 NONE | Investment management Service code 28 | — | $14K |
| SSGA S&P 500 INDEX NON LENDING EIN 04-6625099 NONE | Investment management Service code 28 | — | $11K |
| STATE STREET BANK AND TRUST CO EIN 04-0025081 NONE | Investment management Service code 28 | — | $6K |
| SSGA S&P MIDCAP 400 INDEX EIN 04-3478150 NONE | Investment management Service code 28 | — | $6K |
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 | 2,320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,691 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.