| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 0.08% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | NEW CORPORATE LOCKBOX GPO 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $134K | — | $134K | 12.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | BOS CORPORATE LOCKBOX GPO 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78K | — | $78K | 7.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN. LLC | P.O. BOX 310502 DES MOINES, IA 50331 | GENWORTH LIFE INSURANCE COMPANY | $33K | — | $33K | 12.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | P.O. BOX 310502 DES MOINES, IA 503310502 | HYATT LEGAL PLANS | $14K | $21K | $34K | 21.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 121 RIVER STREET FL 5 HOBOKEN, NJ 07030 | HYATT LEGAL PLANS | $0 | $2K | $2K | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH@WORK SOLUTIONS | P.O. BOX 10414 DES MOINES, IA 50306 | HYATT LEGAL PLANS | $0 | $47 | $47 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 12421 MEREDITH DR STE MHB URBANDALE, IA 503989001 | RELIASTAR | $1K | $0 | $1K | 10.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | NEW CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $779 | — | $779 | 102.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | BOS CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $225 | — | $225 | 29.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $5.3M |
| CIGNA | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $0 |
| COMPSYCH EIN 35-3739783 NONE | Other fees; Contract Administrator Service code 13 | — | $0 |
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 | 15,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $1.9M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,482 | $1.5M |
| Vision | EYEMED VISION CARE | 27,920 | $2.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,970 | $7.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,970 | $7.0M |
| Long-term disability(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 15,970 | $8.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $778K |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,482 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 27,920 | — |
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.