| 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 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF AMERICA | $82K | — | $82K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | — | $80K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS, INC. | $42K | $7K | $49K | 15.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS, FL 9 NEW YORK, NY 10036 | METLIFE LEGAL PLANS, INC. | $0 | $4 | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $36 | $36 | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $75 | $75 | 2.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $1.6M |
| NISA INVESTMENT ADVISORS L.L.C. EIN 48-1140940 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $958K |
| CARE OPERATIVE LLC EIN 20-8981027 NONE | Consulting (general) Service code 16 | — | $399K |
| SIBSON CONSULTING EIN 13-1835864 NONE | Actuarial Service code 11 | — | $241K |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Float revenue Service code 21 | — | $165K |
| TOWERS WATSON EIN 26-0775680 NONE | Consulting (general) Service code 16 | — | $138K |
| HEALTH EFX EIN 46-1243269 NONE | Consulting (general) Service code 16 | — | $122K |
| BDO USA, LLP EIN 13-5381590 NONE | Accounting (including auditing) Service code 10 | — | $60K |
| SCHIELE GRAPHICS EIN 36-2430120 NONE | Consulting (general) Service code 16 | — | $23K |
| NORWEST INVESTMENT MANAGEMENT EIN 41-1592157 NONE | Investment management Service code 28 | — | $17K |
| GUIDESPARK, INC EIN 26-2229814 NONE | Other services; Other fees Service code 49 | — | $11K |
| CTL GLOBAL INC. EIN 27-1530726 NONE | Other fees; Other services Service code 49 | — | $8K |
| CIGNA HEALTHCARE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Investment management fees paid indirectly by plan; Named fiduciary Service code 12 | — | $0 |
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 | 12,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,245 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 32 | $191K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,220 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 54,830 | $18.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,632 | $366K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 17,700 | $354K |
| Other(12 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54,830 | $21.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,830 | — |
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.