| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS, INC. | $123K | — | $123K | 3.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $86K | — | $86K | 4.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | $900 | $5K | 4.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE SUITE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $350 | $2K | 4.54% |
| RONALD L. HOUSLEY3 | 17 RUTGERS STREET MAPLEWOOD, NJ 07040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.55% |
| RONALD L. HOUSLEY3 | 17 RUTGERS STREET MAPLEWOOD, NJ 07040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.09% |
| RONALD L. HOUSLEY3 | 17 RUTGERS STREET MAPLEWOOD, NJ 07040 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.64% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $246 | $50 | $296 | 4.81% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 614 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,443 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,443 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $46K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $69K |
| Prescription drug(4 contracts, 3 carriers) | ANTHEM HEALTH PLANS, INC. | 614 | $3.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,443 | — |
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.