| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 501 MERRITT 7 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $80K | $0 | $80K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $98K | $103K | 5.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $527 | $527 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 501 MERRITT 7 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $63K | $66K | 4.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 501 MERRITT 7 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $46K | $48K | 5.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $406 | $406 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 501 MERRITT 7 NORWALK, CT 06856 | HARTFORD LIFE AND ACCIDENT | $72K | $0 | $72K | 14.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $0 | $20K | 4.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 501 MERRITT 7, 5TH FLOOR NORWALK, CT 06851 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 22.02% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $8.3M |
| Dental(6 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $7.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,182 | $502K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,182 | $502K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,182 | $502K |
| Prescription drug(7 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,060 | $8.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,182 | $502K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.