| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $35K | $13K | $47K | 7.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $19K | $7K | $26K | 7.66% |
| BENEPLACE, INC.3 | PO BOX 203550 AUSTIN, TX 78720 | VISION SERVICE PLAN | $21K | — | $21K | 9.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $19K | — | $19K | 13.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH STREET, 13TH FLOOR BOSTON, MA 02110 | ZURICH AMERICAN INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 99 HIGH STREET, 13TH FLOOR BOSTON, MA 02110 | ZURICH AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 1,739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 49 | $144K |
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 49 | $144K |
| Vision | VISION SERVICE PLAN | 1,060 | $229K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,663 | $616K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,113 | $340K |
| Other(4 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 11,500 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,500 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.