| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | $0 | $98K | 6.12% |
| BENICO LTD3 | 11715 E MAIN ST PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $20K | $35K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $0 | $57K | 5.24% |
| BENICO LTD3 | 11715 E MAIN ST PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $16K | $19K | 1.77% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $0 | $65K | 6.01% |
| BENICO LTD3 | 11715 E MAIN ST PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $16K | $20K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.24% |
| BENICO LTD3 | 11715 E MAIN ST PO BOX 8 HUNTLEY, IL 60142 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $155 | $679 | $834 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE SHIELD EIN 23-1294723 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | P.O. BOX 890173 CAMP HILL, PA 17089 | $3.0M |
| DELTA DENTAL OF PENNYSLVANIA EIN 23-1667011 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | $181K |
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | P.O. BOX 997330 SACRAMENTO, CA 95899 | $37K |
| INTERFLEX PAYMENTS LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2508 HIGHLANDER WAY STE 200 CARROLLTON, TX 75006 | $34K |
| DAVIS VISION EIN 11-3051991 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | 175 E HOUSTON STREET SAN ANTONIO, TX 78205 | $19K |
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 | 4,657 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.1M |
| Other(2 contracts, 2 carriers) | UNIAMERICA INSURANCE COMPANY | 4,413 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,413 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.