| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF ARIZONA | $4K | $165 | $4K | 0.10% |
| THE SEGAL COMPANY Filed as: SEGAL COMPANY ARIZONA INC | 100 MONTGOMERY ST STE 500 SAN FRANCISCO, CA 94104 | BLUE CROSS BLUE SHIELD OF ARIZONA | $4K | $0 | $4K | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 2325 E CAMELBACK RD PHOENIX, AZ 850163417 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 9.08% |
| THE SEGAL COMPANY3 Filed as: SEGAL COMPANY WESTERN STATES INC, | PO BOX 63610 PHOENIX, AZ 850823610 | UNITEDHEALTHCARE INSURANCE COMPANY | $867 | $0 | $867 | 1.83% |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 521 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,213 | $709K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 520 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,213 | $709K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 569 | $309K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 569 | $309K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 521 | $4.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,213 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,213 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.