| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INS CO. | $100K | — | $100K | 2.00% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANY | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO. | — | $75K | $75K | 1.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $245K | — | $245K | 5.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $106K | — | $106K | 10.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $590K | — | $590K | 76.32% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $11K | — | $11K | 1.82% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $80K | $80K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $13K | — | $13K | 2.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $51K | — | $51K | 20.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $25K | $25K | 9.82% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $18K | $2K | $20K | 11.16% |
| BENEPLACE, INC.3 Filed as: BENEPLACE | PO BOX 203550 AUSTIN, TX 78720 | HYATT LEGAL PLANS | — | $167 | $167 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $43 | — | $43 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.80% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $13K | $13K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 1050 CONNECTICUT AVENUE NW SUITE 700 WASHINGTON, DC 20036 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYPSHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 8.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $647 | — | $647 | 1.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $435 | $272 | $707 | 6.50% |
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 | 6,762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | FOUR EVER LIFE INS CO. | 994 | $5.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 105 | $49K |
| Vision | VISION SERVICE PLAN | 4,112 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,150 | $4.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,150 | $4.1M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 158 | $932K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 8,200 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.