| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | METROPLITAN LIFE INSURANCE COMPANY | $121K | $23K | $144K | 10.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 2.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED | $9K | — | $9K | 5.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPNAY | $4K | — | $4K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $64 | — | $64 | — |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $23K | — | $23K | — |
| DANIEL ALBERT3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $10K | — | $10K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES IN | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACTOR ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 501 U.S. HIGHWAY 22, 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $130K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $26K |
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 | 4,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 601 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPNAY | 2,367 | $41K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 3,421 | $195K |
| Vision | EYEMED | 2,515 | $153K |
| Life insurance(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 4,131 | $1.4M |
| Short-term disability(2 contracts) | METROPLITAN LIFE INSURANCE COMPANY | 4,131 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 4,131 | $1.4M |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,367 | $0 |
| Other(4 contracts, 4 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 4,131 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,131 | — |
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.