| 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 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $37K | $39K | 4.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $30K | $39K | 5.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $205 | $25K | $25K | 4.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PNC INSTITUTIONAL ASSET MANAGEMENT NONE | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | 116 ALLEGHENY CENTER MALL PITTSBURGH, PA 15212 | $12K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,817 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 4,963 | $2.4M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,036 | $2.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 918 | $527K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,036 | $2.2M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,036 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,963 | — |
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.