| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 1.49% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $577 | $577 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $44K | — | $44K | 10.48% |
| MERCER HEALTH AND BENEFITS, LLC3 | 2399 HIGHWAY 34 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $6K | $1K | $7K | 11.93% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | — | $38 | $38 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $807 | — | $807 | 10.00% |
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 | 4,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,375 | $637K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 949 | $372K |
| Vision(2 contracts) | VISION SERVICE PLAN | 3,130 | $755K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,010 | $2.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,010 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,010 | $2.2M |
| Prescription drug(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 190 | $216K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,010 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,010 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.