| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | $42 | $66K | 9.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVE #1100 IRVINE, CA 92614 | SYMETRA LIFE INSURANCE COMPANY | $33K | $7K | $41K | 6.72% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $42 | $14K | 21.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $926 | $926 | 1.41% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, LLC | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 750934698 | METROPOLITAN LIFE INSURANCE COMPANY | — | $523 | $523 | 0.80% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, LLC | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 750934698 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $42 | $4K | 9.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $518 | $518 | 1.21% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 750934698 | METROPOLITAN LIFE INSURANCE COMPANY | — | $319 | $319 | 0.75% |
| RYAN BENEFITS INC3 Filed as: RYAN BENEFITS, INC. | 1100 MIRA VISTA BLVD, STE 350 PLANO, TX 750934698 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $3K | $357 | $3K | 10.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $589 | — | $589 | 20.00% |
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 | 1,035 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 565 | $66K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,681 | $676K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,609 | $69K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,023 | $608K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,023 | $608K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,023 | $608K |
| Other(5 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,023 | $749K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,681 | — |
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.