| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 601 MERRITT 7 FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 3.29% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 0.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HUMANA HEALTH PLAN, INC. | $25K | $0 | $25K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | UNKNOWN SHELTON, CT 06484 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $5K | $0 | $5K | 3.76% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SHELTON, CT 06484 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $2K | $0 | $2K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $974 | $6K | 10.75% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $541 | $57 | $598 | 1.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $97 | $97 | 0.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE DENTAL CONCERN, INC. | $3K | $0 | $3K | 10.02% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | ONE INTERNATIONAL PLACE, 16TH FLOOR BOSTON, MA 02110 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KANAWHA INSURANCE COMPANY | $401 | $0 | $401 | 4.58% |
| HUMANA MARKETPOINT INC3 Filed as: HUMANA MARKETPOINT, INC. | 500 WEST MAIN, NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $139 | $0 | $139 | 1.59% |
| PAULINE F. RODRIGUEZ3 | 2660 HIGHWAY 231 SOUTH SHELBYVILLE, TN 37160 | KANAWHA INSURANCE COMPANY | $84 | $0 | $84 | 0.96% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | KANAWHA INSURANCE COMPANY | $24 | $0 | $24 | 0.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMPBENEFITS INSURANCE COMPANY | $720 | $0 | $720 | 10.16% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | 224 | $161K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 258 | $24K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $61K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 9 | $9K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $52K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 301 | $654K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.