| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $12K | — | $12K | 10.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1 INVESTORS WAY MAILSTOP N-5-C NORWOOD, MA 02062 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 11.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 10.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $886 | $979 | $2K | 9.89% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 10.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $968 | — | $968 | 10.04% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 376 | $109K |
| Vision | AETNA LIFE INSURANCE CO. | 470 | $19K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 222 | $121K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 73 | $16K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 213 | $59K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 376 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.