| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE | — | $419K | $419K | 2.25% |
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | PO BOX 1442 MOUNTAINSIDE, NJ 07092 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $67K | $67K | 1.53% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18K | $18K | 1.39% |
| AON CONSULTING INC3 Filed as: AON COALITION PURCHASING GROUP | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | SECURIAN LIFE INSURANCE | — | $15K | $15K | 2.23% |
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 | 3,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,046 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 804 | $366K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 14,888 | $1.3M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE | 25,331 | $19.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,019 | $4.3M |
| Other(3 contracts, 2 carriers) | SECURIAN LIFE INSURANCE | 25,331 | $20.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,331 | — |
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."
No prospect flags tripped on this filing.