| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19K | $19K | 2.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $290 | $290 | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $210 | $2K | 16.56% |
| NANCY H. HUGHES3 Filed as: NANCY H HUGHES | 9200 MONTGOMERY BOULEVARD NORTHEAST SUITE B ALBUQUERQUE, NM 87111 | AFLAC | $280 | $10 | $290 | 2.91% |
| MJ INSURANCE3 Filed as: WILLIAM A HUGHES & VARIOUS AGENTS | PO BOX 91182 ALBUQUERQUE, NM 87110 | AFLAC | $243 | $0 | $243 | 2.44% |
| SKYLER ELKINS WHITEHEAD3 | 6019 MOTHERWELL DR SOUTHEAST ALBUQUERQUE, NM 87106 | AFLAC | $206 | $8 | $214 | 2.15% |
| DAVID JOSHUA ABDELAZIZ3 | 1259 TEXAS 337 LOOP SUITE 201 NEW BRAUNFELS, TX 78130 | AFLAC | $146 | $0 | $146 | 1.47% |
| ANTHONY P. GARCIA3 Filed as: ANTHONY P GARCIA | 9200 MONTGOMERY BOULEVARD NORTHEAST SUITE B ALBUQUERQUE, NM 87111 | AFLAC | $103 | $8 | $111 | 1.12% |
| KIMBERLY SCOTT3 | 1908 MESA GRANDE LOOP NORTHEAST RIO RANCHO, NM 87144 | AFLAC | $89 | $0 | $89 | 0.89% |
| JUDE M MONTOYA3 | 6565 AMERICAS PARKWAY NORTHEAST SUITE 115 ALBUQUERQUE, NM 87110 | AFLAC | $59 | $8 | $67 | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $91 | $91 | 1.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $563 | $0 | $563 | 8.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $36 | $36 | 1.65% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 51 | $750K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 115 | $44K |
| Vision | VISION SERVICE PLAN | 50 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4 | $2K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 51 | $750K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 96 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.