| 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 60674 | MINNESOTA LIFE INSURANCE COMPANY | $257K | $115K | $372K | 7.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CHICAGO, IL 60674 | MINNESOTA LIFE INSURANCE COMPANY | $136K | $61K | $197K | 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 | $151K | — | $151K | 5.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $180K | — | $180K | 10.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | MERCER 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $12K | $12K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4 | — | $4 | 5.13% |
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 | 14,743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 263 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 45 | $585K |
| Vision | INDEPENDENCE BLUE CROSS | 21,561 | $2.9M |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 15,312 | $7.8M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,743 | $2.7M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 12,755 | $1.8M |
| Other(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14,743 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,561 | — |
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.