| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | P.O. BOX 850502 MINNEAPOLIS, MN 554850502 | RELIASTAR LIFE INSURANCE | $13K | $0 | $13K | 1.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 2325 E CAMELBACK RD STE 600 PHOENIX, AZ 850163474 | AMERITAS | $10K | $4K | $14K | 2.49% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $7.0M |
| Dental | AMERITAS | 1,302 | $571K |
| Vision | AMERITAS | 1,302 | $571K |
| Life insurance | RELIASTAR LIFE INSURANCE | 795 | $668K |
| Short-term disability | RELIASTAR LIFE INSURANCE | 795 | $668K |
| Long-term disability | RELIASTAR LIFE INSURANCE | 795 | $668K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,222 | $7.0M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE | 1,302 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.