| 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 606740001 | BLUECROSS BLUESHIELD OF ILLINOIS | $54K | $2K | $56K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | DELTA DENTAL OF ILLILNOIS | $36K | — | $36K | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 9.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | — | $10K | $10K | 9.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 12421 MEREDITH DR STE MHB URBANDALE, IA 503989001 | RELIASTAR LIFE INSURANCE COMPANY | $37K | — | $37K | 62.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES & ASSOCIATES EIN 56-1542307 | Claims processing Service code 12 | — | $20K |
| PRUDENTIAL INSURANCE CO. OF AMERICA EIN 22-1211670 | Claims processing Service code 12 | P.O. BOX 7827 PHILADELPHIA, PA 19176 | $19K |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLILNOIS | 685 | $729K |
| Vision | VISION SERVICE PLAN | 576 | $102K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 655 | $387K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 655 | $387K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 655 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,722 | — |
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.