| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IN 60674 | AETNA LIFE INSURANCE CO. | $271K | $68 | $271K | 1.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $9K | $16K | 2.45% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $26K | — | $26K | 5.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE O/B/O THE COMBINED INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $290 | — | $290 | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $250 | — | $250 | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE O/B/O THE COMBINED INSURANCE COMPANY OF NEW YORK | $33 | — | $33 | 4.17% |
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 | 792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,247 | $13.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,031 | $632K |
| Vision(2 contracts) | EYEMED VISION CARE O/B/O THE COMBINED INSURANCE COMPANY OF NEW YORK | 1,211 | $46K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 840 | $449K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 840 | $449K |
| Other(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 840 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,247 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.