| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | — | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | — | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 2.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $12K | — | $12K | 15.00% |
| RUBEN WARNER ASSOCIATES, INC.3 Filed as: RUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | $12K | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | — | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | — | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMIN LLC PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 29.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | — | HARTFORD LIFE AND ACCIDENT | — | $936 | $936 | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $833K |
| MERCER HEALTH & BENEFITS INSURANCE AGENTS/BROKERS | Insurance agents and brokers Service code 22 | 1717 ARCH ST. 26TH FLOOR PHILADELPHIA, PA 19103 | $222K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $161K |
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 | 1,645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 459 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,885 | $312K |
| Life insurance(5 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,497 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,456 | $463K |
| Other(6 contracts, 5 carriers) | PLEIADES INSURANCE COMPANY, LTD | 1,803 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,885 | — |
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.