| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $141K | — | $141K | 1.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $14K | $68K | 3.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $163K | — | $163K | 11.80% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING LLC | 100 NORTHFIELD DR 3RD FL WINDSOR, CT 06095 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $19K | 2.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 310502 DES MOINES, IA 50331 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261K | — | $261K | 59.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 310502 DES MOINES, IA 50331 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $171K | — | $171K | 58.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN 40590 PO BOX 310502 DES MOINES, IA 50331 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $167K | — | $167K | 58.91% |
| 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 | 17,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,966 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,993 | 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 | 46 | $966K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $869K |
| Vision(2 contracts) | EYEMED VISION CARE | 26,418 | $1.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 20,451 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,664 | $2.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 46 | $869K |
| Other(6 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,610 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,418 | — |
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.