| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.0 Filed as: UNITED HEALTHCARE INSURANCE CO | — | UNITED HEALTHCARE INSURANCE CO | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH & INSURANCE CO | $0 | $1K | $1K | 0.16% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.32% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $0 | $4K | $4K | 2.51% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.32% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.81% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.40% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | 50 WHITECAP DR NATIONAL EMPLOYEE BENEFITS CO INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $481 | $0 | $481 | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE NATIONAL EMPLOYEE BENEFITS CO, INC. CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $154 | $0 | $154 | 0.68% |
| HUMANA MARKETPOINT INC0 Filed as: HUMANA | — | HUMANA | $0 | $0 | $0 | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC. | NATIONALEMPLOYEE BENEFITS CO, INC NORTH KINGSTOWN, RI 028527445 | RELIASTAR LIFE INSURANCE COMPANY | $211 | $0 | $211 | 3.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | RELIASTAR LIFE INSURANCE COMPANY | $76 | $0 | $76 | 1.32% |
| WEST HEALTH ADVOCATE SOLUTIONS, INC0 | 11808 MIRACLE HILLS DRIVE OMAHA, NE 68154 | WEST HEALTH ADVOCATE SOLUTIONS INC. | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE INSURANCE CO EIN 36-2739571 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $923K |
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 | 2,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 1,856 | $18K |
| Dental | CIGNA HEALTH & INSURANCE CO | 2,112 | $620K |
| Vision | VISION SERVICE PLAN | 1,040 | $156K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,266 | $189K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 452 | $142K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 419 | $165K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE CO | 2,089 | $1.3M |
| Other(5 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,021 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,266 | — |
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."
No prospect flags tripped on this filing.