| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 1.75% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $72K | — | $72K | 13.46% |
| EDWARD FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $10K | — | $10K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $435 | $435 | 0.11% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 7.99% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 12.99% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.58% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.83% |
| ED FARRELL3 | 1155 HARBOR LINKS CIRCLE VERO BEACH, FL 32967 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | — | $433 | 8.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $306K |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | $119K |
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 | 1,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 316 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 367 | $390K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 825 | $368K |
| Long-term disability(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,074 | $799K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 287 | $1.0M |
| Other(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 825 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.