| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $30K | $172K | 8.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $33K | 9.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 9.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | EYEMED | $8K | — | $8K | 5.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $232 | $0 | $232 | 0.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $3K | $5K | $8K | 7.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 32.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 32.24% |
| CHARLES TOMASINO3 | 1166 AVE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $44K | — | $44K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACTOR ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 501 U.S. HIGHWAY 22, 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $139K |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing; Contract Administrator Service code 12 | 1100 PARK PLACE 4TH FLOOR SAN MATEO, CA 94403 | $36K |
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 | 1,872 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 443 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,857 | $576K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 3,369 | $169K |
| Vision | EYEMED | 2,348 | $148K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,878 | $2.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,878 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,878 | $2.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,857 | $0 |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,878 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,878 | — |
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.