| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CHOICE HEALTH PLAN | $146K | — | $146K | 1.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | SIX PPG PLACE SUITE 400 PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $3K | $21K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60 | — | $60 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | CIGNA GROUP INSURANCE | $5K | — | $5K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA GROUP INSURANCE | $55 | — | $55 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20 | — | $20 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $4K | — | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY L | PARK 80 WEST PLAZA TWO 250 PEHLE SUITE 00 SADDLE BROOK, NJ 07663 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8 | — | $8 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA | $2K | — | $2K | 6.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 W PLAZA TWO 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UDC OF OHIO, INC. | $648 | — | $648 | 9.99% |
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 | 675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CHOICE HEALTH PLAN | 661 | $9.1M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,951 | $496K |
| Vision | VISION SERVICE PLAN | 363 | $77K |
| Life insurance | CIGNA GROUP INSURANCE | 869 | $327K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 672 | $359K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $125K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CHOICE HEALTH PLAN | 661 | $9.1M |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 869 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,951 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.