| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC | MERCER HEALTH AND BENEFIT SERV CHICAGO, IL 60674 | DELTA DENTAL OF MISSOURI | $7K | $2K | $9K | 15.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 MONUMENT CIR FL 43 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $823 | — | $823 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 MONUMENT CIR FL 43 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $814 | — | $814 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 MONUMENT CIR FL 43 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 1717 ARCH ST 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $578 | — | $578 | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 111 MONUMENT CIR FL 43 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.96% |
| WEB BENEFITS DESIGN CORPORATION3 | 6277 SEA HARBOR DRIVE STE 201 ORLANDO, FL 32821 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3K | — | $3K | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $54K |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | $37K |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HOMETOWN HEALTH | 12 | $74K |
| Dental | DELTA DENTAL OF MISSOURI | 308 | $58K |
| Vision | EYEMED VISION CARE | 315 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 95 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 89 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.