| 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 | HARTFORD LIFE AND ACCIDENT | $269K | — | $269K | 4.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $82K | $82K | 1.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. | $55K | $3K | $59K | 4.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, MN 60674 | HARTFORD LIFE AND ACCIDENT | $159K | — | $159K | 13.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $17K | $17K | 1.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $219 | — | $219 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | $30K | — | $30K | 4.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD LIFE INSURANCE COMPANY | — | $5K | $5K | 0.81% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $24K | — | $24K | 10.59% |
| MICHAEL ZIPP3 | 70 FOREST HILLS DR FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $8K | — | $8K | 3.53% |
| RPM HEALTH3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | UNITED AMERICAN INSURANCE COMPANY | $8K | — | $8K | 3.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR | $3K | — | $3K | 3.34% |
| MICHAEL ZIPP3 | 70 FOREST HILLS DRIVE FARMINGTON, CT 06032 | ELIXIR | $1K | — | $1K | 1.48% |
| RPM HEALTH3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | ELIXIR | $1K | — | $1K | 1.48% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR | $4K | — | $4K | 13.55% |
| RPM HEALTH3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | ELIXIR | $496 | — | $496 | 1.76% |
| MICHAEL ZIPP3 | 70 FOREST HILLS DRIVE FARMINGTON, CT 06032 | ELIXIR | $496 | — | $496 | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF AMERICAS 22ND FLOOR NEW YORK, NY 10036 | ACE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
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 | 7,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 749 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CVS PHARMACY, INC | 8,003 | $23.3M |
| Dental | DELTA DENTAL OF NJ, INC. | 8,101 | $4.0M |
| Vision | ANTHEM HEALTH PLANS, INC. | 10,217 | $696K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 7,879 | $6.7M |
| Short-term disability | THE HARTFORD LIFE INSURANCE COMPANY | 665 | $662K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,879 | $5.5M |
| Prescription drug(4 contracts, 2 carriers) | CVS PHARMACY, INC | 8,003 | $21.8M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 10,217 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,217 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.