| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 333 SOUTH SEVENTH STREET SUITE 1400 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $28K | $0 | $28K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF MINNESOTA | $2K | $0 | $2K | 3.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 8400 NORMANDALE LAKE BOULEVARD BLOOMINGTON, MN 55437 | DELTA DENTAL OF MINNESOTA | $645 | $0 | $645 | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET SAINT LOUIS, MO 63101 | DELTA DENTAL OF MINNESOTA | $323 | $0 | $323 | 0.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $224 | $40 | $264 | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | PO BOX 93076 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86 | $15 | $101 | 2.28% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 148 | $930K |
| Dental | DELTA DENTAL OF MINNESOTA | 181 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.