| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | — | $79 | $79 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | — | $49 | $49 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0101689 | — | $79 | $79 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0101689 | — | $49 | $49 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0104884 | — | $79 | $79 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0104884 | — | $49 | $49 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR STLOUIS, MO 631463203 | UNITEDHEALTHCARE INSURANCE CO - 342147 | $28K | — | $28K | 3.13% |
| AHM FINANCIAL GROUP LLC | 11975 WESTLINE INDUSTRIAL DR STE200 STLOUIS, MO 631463203 | UNITEDHEALTHCARE INSURANCE CO - 342147 | $2K | — | $2K | 0.27% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | METROPOLITAN PROPERTY & CASUALTY - 4490010 | — | $51 | $51 | 0.01% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 470 PARK AVENUE SOUTH 6TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28918 | $51K | — | $51K | 14.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0160518 | — | $49 | $49 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0163533 | — | $49 | $49 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0160206 | — | $49 | $49 | 0.03% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | 470 PARK AVENUE SOUTH 6TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28838 | $22K | — | $22K | 14.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0190090 | — | $49 | $49 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 0106459 | — | $79 | $79 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0106459 | — | $49 | $49 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY 122383 | — | $79 | $79 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 122383 | — | $49 | $49 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0142603 | — | $49 | $49 | 0.04% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0153513 | — | $79 | $79 | 0.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0153513 | — | $49 | $49 | 0.06% |
| PROGRESSIVE PLAN ADMINISTRATORS | 470 PARK AVENUE SOUTH 6TH FL NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY 28735 | $10K | — | $10K | 14.31% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE CO - 10183442 | $6K | — | $6K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY - 5479088 | $9K | — | $9K | 15.01% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY -0149457 | — | $79 | $79 | 0.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY -0149457 | — | $49 | $49 | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE CO - 10183441 | $3K | — | $3K | 15.00% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY - 0151222 | — | $79 | $79 | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0151222 | — | $49 | $49 | 0.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MO LLC | 11975 WESTLINE INDUSTRIAL DR ST LOUIS, MO 63146 | LINCOLN NATIONAL LIFE INSURANCE - 10183440 | — | $2K | $2K | 12.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0142598 | — | $49 | $49 | 0.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0121575 | — | $49 | $49 | 1.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY 0105228 | — | $49 | $49 | 1.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DR ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA - 205447 | $280 | $21 | $301 | 10.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0121574 | — | $49 | $49 | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - 0142599 | — | $49 | $49 | 18.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $8.1M |
| UNITED HEALTHCARE SERVICES LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | ONE PENN PLAZA 8TH FLOOR NEW YORK, NY 10119 | $1.6M |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | HARTFORD HARTFORD, CT 06152 | $523K |
| METROPOLITAN INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 200 PARK AVE NEW YORK, NY 10166 | $40K |
| CIGNA HEALTH INS - BOTTLE ROCKET EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | HARTFORD HARTFORD, CT 06152 | $25K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 200 PARK AVE NEW YORK, NY 10166 | $741 |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 11 carriers) | OXFORD HEALTH INSURANCE, INC - MU1031 | 1,600 | $6.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE 3213432 | 3,202 | $650K |
| Vision | VISION SERVICE PLAN 12270668 | 12,713 | $5.2M |
| Life insurance(8 contracts, 8 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 25,855 | $5.4M |
| Short-term disability(13 contracts, 13 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 25,855 | $6.3M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - 0101689 | 17,029 | $3.8M |
| Other(16 contracts, 16 carriers) | METROPOLITAN LIFE INSURANCE COMPANY 0118689 | 25,855 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,855 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.