| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $501 | $501 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $2K | $38K | 14.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 11.40% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METLIFE LEGAL PLANS | $0 | $197 | $197 | 0.66% |
| BLTC FUNDING LLC3 Filed as: BLTC FUNDING, LLC | 16932 WOODINVILLE REDMOND ROAD SUITE A-204 WOODINVILLE, WA 98072 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 26.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $481 | $197 | $678 | 3.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $512 | $512 | 2.79% |
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 | 1,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,372 | $20.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,372 | $11.0M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $1.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $1.3M |
| Prescription drug(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,372 | $20.9M |
| Other(6 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,469 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,469 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.