| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $102K | — | $102K | 5.23% |
| WEX HEALTH, INC.3 | PO BOX 6705 CAROL STREAM, IL 60197 | STANDARD INSURANCE COMPANY | — | $81K | $81K | 4.18% |
| SANDVIK MACHINING SOLUTIONS USA LLC3 | 1483 DOGWOOD WAY MEBANE, NC 27302 | STANDARD INSURANCE COMPANY | — | $35K | $35K | 1.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $26K | $26K | 1.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $70K | $443 | $71K | 3.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| WEX HEALTH, INC.3 | PO BOX 6705 CAROL STREAM, IL 60197 | STANDARD INSURANCE COMPANY | — | $22K | $22K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 2.00% |
| SANDVIK MACHINING SOLUTIONS USA LLC3 | 1483 DOGWOOD WAY MEBANE, NC 27302 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 1.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $9K | $91K | $100K | 22.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 5.00% |
| WEX HEALTH, INC.3 | PO BOX 6705 CAROL STREAM, IL 60197 | STANDARD INSURANCE COMPANY | — | $18K | $18K | 4.00% |
| SANDVIK MACHINING SOLUTIONS USA LLC3 | 1483 DOGWOOD WAY MEBANE, NC 27302 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 1.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $6K | — | $6K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | STANDARD INSURANCE COMPANY | $240K | — | $240K | 63.40% |
| WEX HEALTH, INC.3 | PO BOX 6705 CAROL STREAM, IL 60197 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 2.00% |
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 | 2,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,277 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,842 | $419K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,609 | $1.9M |
| Short-term disability | STANDARD INSURANCE COMPANY | 879 | $456K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,530 | $556K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,609 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,609 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.