| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE CO. | $7K | $0 | $7K | 2.18% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE CO. | $0 | $4K | $4K | 1.27% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE CO. | $7K | $0 | $7K | 2.29% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE INSURANCE CO. | $0 | $3K | $3K | 1.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA NONE | Claims processing; Insurance services; Plan Administrator Service code 12 | 151 FARMINGTON AVENUE RT 21 HARTFORD, CT 06156 | $656K |
| CHEIRON, INC. NONE | Actuarial; Consulting (general) Service code 11 | 8300 GREENSBORO DRIVE, SUITE 800 MCLEAN, VA 22102 | $98K |
| CIGNA NONE | Insurance services; Claims processing; Plan Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $48K |
| WAGEWORKS NONE | Custodial (other than securities) Service code 18 | 1100 PARK PLACE, 4TH FLOOR SAN MATEO, CA 94403 | $23K |
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 | 1,595 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE INSURANCE CO. | 851 | $296K |
| Long-term disability | HARTFORD LIFE INSURANCE CO. | 843 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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.