| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 730182 DALLAS, TX 753730182 | DELTA DENTAL OF PENNSYLVANIA | $14K | $0 | $14K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | 4 EVER LIFE INSURANCE COMPANY (FORMERLY BCS LIFE) | $18K | $60K | $78K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS LLC | P.O. BOX 730182 DALLAS, TX 753730182 | RELIANCE STANDARD LIFE INSURANCE CO | $5K | $840 | $6K | 4.34% |
| MERCER HEALTH AND BENEFITS, LLC5 Filed as: MERCER HEALTH & BENEFITS, LLC | SIX PPG PLACE SUITE 400 PITTSBURGH, PA 15222 | HIGHMARK | $138K | $49K | $187K | — |
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 | 1,212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 1,011 | $0 |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,162 | $711K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY (FORMERLY BCS LIFE) | 1,649 | $521K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY (FORMERLY BCS LIFE) | 1,649 | $521K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 1,019 | $139K |
| Prescription drug | HIGHMARK | 1,011 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,649 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.