| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRTOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $3.7M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMNISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $307K |
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 | 8,523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,062 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 108 | $278K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF NEW YORK (EYEMED) | 7,362 | $405K |
| Life insurance | AETNA LIFE INSURANCE CO. | 8,523 | $1.6M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,006 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 5,006 | $1.9M |
| Prescription drug(6 contracts, 6 carriers) | OXFORD HEALTH PLAN | 841 | $10.5M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 23,946 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,946 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.