| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA LLC | 540 W MADISON ST. STE 1200 CHICAGO, IL 60661 | BLECROSS BLUESHIELD OF ILLINOIS | $213K | — | $213K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, LLC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | GUARDIAN LIFE INSURANCE COMPANY | $19K | — | $19K | 10.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | PO BOX 28031 NEW YORK, NY 100878031 | VISION SERVICE PLAN | — | $2K | $2K | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 9465 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 36TH FL 1166 AVE OF AMERICAS NEW YORK, NY 10036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 14.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 396 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLECROSS BLUESHIELD OF ILLINOIS | 885 | $9.9M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 396 | $1.4M |
| Vision | VISION SERVICE PLAN | 389 | $95K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 267 | $184K |
| Short-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 396 | $1.4M |
| Long-term disability(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 412 | $1.5M |
| Other(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 396 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.