| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $250K | $112K | $362K | 7.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $163K | — | $163K | 5.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $129K | $58K | $187K | 7.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 10414 DES MOINES, IA 50306 | GENWORTH LIFE INSURANCE COMPANY | $35K | — | $35K | 10.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | GIGNA LIFE INSURANCE CO. OF NEW YORK | $2 | — | $2 | 4.76% |
| MERCER HEALTH AND BENEFITS, LLC3 | MERCER 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $0 | — | $0 | — |
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 | 13,850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 91 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 258 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 43 | $456K |
| Vision | INDEPENDENCE BLUE CROSS | 21,538 | $2.2M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 14,386 | $7.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,850 | $2.9M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 12,278 | $1.9M |
| Other(5 contracts, 5 carriers) | HYATT LEGAL PLANS, INC. | 13,850 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,538 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.