| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEX G NG3 | 633 W 5TH STREET STE 1200 LOS ANGELES, CA 90071 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $63K | $63K | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | 12421 MEREDITH DR STE MHB URBANDALE, IA 50398 | RELIASTAR LIFE INSURANCE COMPANY | $68K | — | $68K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 10.45% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $21K | — | $21K | 7.02% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $10K | $42 | $10K | 10.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $1K | $1K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $1K | — | $1K | 9.11% |
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 | 6,498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 107 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 224 | $323K |
| Dental(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 960 | $482K |
| Vision(2 contracts) | VISION SERVICE PLAN | 4,175 | $1.0M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,339 | $3.6M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,339 | $3.6M |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,339 | $3.6M |
| Prescription drug(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 224 | $323K |
| Other(4 contracts, 4 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 6,817 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,817 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.