| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740000 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $14K | — | $14K | 4.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $74 | $3K | 2.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $71 | $71 | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BANK OF NEW YORK EIN 13-5160382 CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Investment management; Direct payment from the plan; Custodial (securities) Service code 19 | — | $50K |
| MERCER EIN 34-2015463 NONE | Consulting (general) Service code 16 | — | $36K |
| RBT EIN 14-1604297 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| GLOBAL MULTI-ASSET FUND EIN 46-1025091 NONE | Direct payment from the plan; Investment management Service code 28 | — | $14K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $9K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 299 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 110 | $319K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $128K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 344 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.