| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS, INC. | $54K | $32 | $54K | 3.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA HEALTH PLAN, INC. | $30K | $1K | $31K | 4.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $1K | — | $1K | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $6K | — | $6K | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 3.36% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7, STE 1 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $1K | — | $1K | 1.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | MVP HEALTH CARE | $4K | — | $4K | 4.07% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $5K | — | $5K | 6.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $38 | $5K | 9.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE DENTAL CONCERN, INC. | $4K | — | $4K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 400 GALLERIA PKWY, STE 300 ATLANTA, GA 30339 | OPTIMA HEALTH PLAN | $1K | — | $1K | 5.74% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | OPTIMA HEALTH PLAN | $1K | — | $1K | 5.74% |
| PAULINE F. RODRIGUEZ3 Filed as: PAULINE F RODRIGUEZ | 6600 S GRANITE DR CHANDLER, AZ 85249 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 9.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KANAWHA INSURANCE COMPANY | $525 | — | $525 | 4.11% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN, NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $127 | — | $127 | 1.00% |
| THE FARMINGTON COMPANY3 Filed as: THE FARMINGTON CO | PO BOX 527 FARMINGTON, CT 06034 | KANAWHA INSURANCE COMPANY | $44 | — | $44 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPBENEFITS INSURANCE COMPANY | $806 | — | $806 | 10.00% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 7 carriers) | ANTHEM HEALTH PLANS, INC. | 218 | $2.8M |
| Dental(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 203 | $153K |
| Vision(2 contracts, 2 carriers) | COMPBENEFITS INSURANCE COMPANY | 72 | $13K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $71K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 18 | $13K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $58K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 16 | $99K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.