| 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 | $150K | $30K | $180K | 9.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $5K | $39K | 18.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 10.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRLCE CHICAGO, IL 60674 | EYEMED | $587 | — | $587 | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO | $3K | $5K | $7K | 7.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELAWARE AMERICAN LIFE INSURANCE OF | — | — | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 45 EXECUTIVE DRIVE CHICAGO, IL 60674 | EYEMED | $3 | — | $3 | 0.30% |
| JOSEPH E HARTEN3 | 100 NORTH TRYON ST STE 3600 CHARLOTTE, NC 28202 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | — |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW YORK | $5K | — | $5K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | 501 U.S. HIGHWAY 22, 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $130K |
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 | 2,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 439 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,778 | $434K |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO | 3,291 | $153K |
| Vision(2 contracts) | EYEMED | 1,194 | $119K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,728 | $2.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 3,728 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,728 | $2.0M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 2,778 | $0 |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,728 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,728 | — |
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.