| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 125 OTTAWA AVE NW STE 400 CHICAGO, ID 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $172K | — | $172K | 2.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $14K | $64K | 3.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $155K | — | $155K | 12.43% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING LLC | 100 NORTHFIELD DR 3RD FL WINDSOR, CT 06095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $6K | $18K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | 200 LIBERTY STREET NEW YORK, NY 10281 | ACE AMERICAN INSURANCE COMPANY/FEDERAL CHUBB | $6K | — | $6K | 3.94% |
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 | 16,308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,209 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $800K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $693K |
| Vision(2 contracts) | EYEMED VISION CARE | 24,845 | $1.5M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 19,246 | $7.1M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,443 | $2.9M |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 62 | $695K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,371 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,845 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.