| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $73K | $73K | 1.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DENTIST DIRECT, LLC | $15K | — | $15K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | $2K | $15K | 15.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $12K | $1K | $14K | 15.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $1K | $11K | 15.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 9.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $760 | $8K | 27.88% |
| GBS BENEFITS INC3 | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $769 | — | $769 | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $734 | $9K | 42.04% |
| GBS BENEFITS INC3 | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 1.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.52% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | -$88 | — | -$88 | -0.52% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 946 | $4.8M |
| Dental | DENTIST DIRECT, LLC | 393 | $371K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 878 | $41K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 359 | $102K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 359 | $88K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 359 | $71K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 946 | $4.8M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 359 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.