| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $8K | $8K | 0.54% |
| ACRISURE LLC3 Filed as: HAYLOR, FREYER & COON | 300 SOUTH STATE STREET, SUITE 1000 SYRACUSSE, NY 13202 | EXCELLUS BLUECROSS BLUESHIELD PLAN | $32K | — | $32K | 3.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $31K | $3K | $34K | 5.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE CO | $31K | — | $31K | 19.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN LIFE ASSURANCE COMPANY OF B EIN 04-6076039 | Other fees Service code 99 | 10 ST JAMES AVE BOSTON, MA 02116 | $205K |
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 | 3,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 894 | $185K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,723 | $1.5M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 3,666 | $598K |
| Stop-loss / reinsurancereinsurance | EXCELLUS BLUECROSS BLUESHIELD PLAN | 2,380 | $1.0M |
| Other | CONTINENTAL AMERICAN INSURANCE CO | 1,360 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,723 | — |
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.