| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 1.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 1.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $456 | $4K | 4.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 23-2710210 NONE | Plan Administrator; Insurance services; Claims processing Service code 12 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.3M |
| CHEIRON INC. EIN 03-4215617 NONE | Consulting (general); Actuarial Service code 11 | 8300 GREENSBORO DRIVE, SUITE 800 TYSONS CORNER, VA 22102 | $145K |
| CIGNA EIN 06-1059331 NONE | Insurance services; Claims processing; Plan Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $96K |
| CONNECTYOURCARE EIN 46-0891463 NONE | Custodial (other than securities) Service code 18 | 307 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | $14K |
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 | 3,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,930 | $737K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,930 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,930 | — |
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.