| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1801 W END AVE STE 1400 NASHVILLE, TN 372032521 | UNITEDHEALTHCARE INSURANCE COMPANY | $245K | — | $245K | 1.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | RELIASTAR LIFE INSURANCE COMPANY | $122K | — | $122K | 6.30% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | — | $51K | $51K | 2.64% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $24 | $61K | 4.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.00% |
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 | 5,610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 20,098 | $14.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,570 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,280 | $12.8M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 20,098 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 20,098 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 20,098 | $1.9M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 20,098 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,098 | — |
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.