| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1717 ARCH STREET SUITE 100 PHILADLEPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $672 | $672 | 0.98% |
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 | 1,838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 286 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,044 | $17.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,730 | $69K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 2,044 | $16.5M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,905 | $662K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 642 | $246K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,100 | $0 |
| Prescription drug | CVS CAREMARK | 1,741 | $4.2M |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE CARRIER | 1,708 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,044 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.