| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $273K | $38 | $273K | 7.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67K | $67K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 00902 | TRIPLE S SALUD, INC. | $5K | — | $5K | 3.00% |
| TAMARA STEPHENSON3 | 204 BENDIX DRIVE STE D TAOS, NM 87571 | FOUR EVER LIFE INS CO. | $9K | — | $9K | 15.00% |
| NORTHSTAR INSURANCE SERVICES INC.3 Filed as: NORTHSTAR INSURANCE SERVICES, INC. | 300 1ST AVE., STE 100 NEEDHAM, MA 02494 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | — | $1K | 15.00% |
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 | 5,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,003 | $822K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $763K |
| Vision | VISION SERVICE PLAN | 3,808 | $373K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,698 | $3.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,698 | $3.5M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,698 | $3.5M |
| Prescription drug | TRIPLE S SALUD, INC. | 17 | $171K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 12,685 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,685 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.