| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $106K | $0 | $106K | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | $0 | $62K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $0 | $61K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 4.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $40K | $40K | 3.83% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, FLOOR 5 NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 501 MERITT 7 NORWALK, CT 06856 | HARTFORD LIFE AND ACCIDENT | $39K | $0 | $39K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 2.17% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $2K | $14K | 4.14% |
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 | 760 | 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) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,166 | $8.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,166 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,166 | $2.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,216 | $392K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,216 | $392K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,216 | $392K |
| Prescription drug(7 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,166 | $8.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,216 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,216 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.