| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | OXFORD HEALTH INSURANCE, INC. | $80K | — | $80K | 3.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 48 S SERVICE RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $440 | $4K | 13.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 9.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | GPO BOX 27447 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 18.88% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 309 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 187 | $14K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 353 | $44K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 353 | $32K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 309 | $2.0M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 353 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.