| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $66K | $227 | $66K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $74K | — | $74K | 4.69% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST SECOND ST, 1ST FLOOR MEDIA, PA 19063 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $218K | — | $218K | 15.27% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | -$1K | -$1K | -0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET SUITE 1100 PHILADELPHIA, PA 19103 | REGENCE BLUECROSS BLUESHIELD OF OREGON | — | $13K | $13K | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N. ROCKY POINT DRIVE W SUITE 700 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $56K | — | $56K | 6.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $38 | $72K | 9.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 9.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1225 17TH STREET SUITE 2200 DENVER, CO 80202 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 5.02% |
| FISC INVESTMENT SERVICES CORP3 | 160 CLAIREMONT AVENUE SUITE 455 DECATUR, GA 30030 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.51% |
| FINANCE INSURANCE LTD3 Filed as: FINANCE INSURANCE, LTD. | 1164 BISHOP STREET SUITE 400 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $1K | — | $1K | 1.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BUILDING I SUITE 100 AUSTIN, TX 78766 | SOLSTICE BENEFITS | — | $3K | $3K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | SOLSTICE BENEFITS | $3K | — | $3K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $194 | $2K | 12.48% |
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 | 3,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,036 | $7.4M |
| Dental(8 contracts, 7 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,817 | $1.5M |
| Vision(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,036 | $2.3M |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,715 | $1.6M |
| Short-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,715 | $1.6M |
| Long-term disability(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,715 | $1.6M |
| Prescription drug(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,036 | $7.4M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,715 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,715 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.