| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | — | $321 | $321 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MD 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $8K | $148K | 16.21% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX 28852 NEW YORK, NC 100878852 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MA 55485 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | $54K | $952 | $55K | 10.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | — | $6K | $6K | 1.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY | $2K | — | $2K | 0.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $4K | $78K | 16.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | JOHN HANCOCK LIFE INSURANCE COMPANY 28735 | $46K | — | $46K | 12.07% |
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 | 20,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,178 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 137 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 4 carriers) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 8,740 | $15.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,921 | $944K |
| Vision | VISION SERVICE PLAN | 13,127 | $2.4M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,357 | $4.1M |
| Short-term disability(8 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22,357 | $4.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 19,888 | $4.6M |
| Other(9 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 22,357 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,357 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.