| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 N WACKER DR, STE 1500 CHICAGO, IL 60606 | SYMETRA LIFE INSURANCE COMPANY | $27K | $4K | $30K | 11.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 4.11% |
| MERCY HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $10K | — | $10K | 13.82% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CTR, STE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | — | $25K | 34.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $394 | $48 | $442 | 11.37% |
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 | 475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 51 | $201K |
| Vision | VISION SERVICE PLAN | 246 | $73K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 475 | $268K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 475 | $268K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 475 | $268K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 475 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.