| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $30K | $30K | 2.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $11K | $25K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | COMMISSION LOCKBOX 28852 NEW YORK, NY 100878852 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $0 | $9K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $4K | $9K | 2.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | $3K | $2K | $5K | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | FOUR EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
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 | 7,810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 379 | $29K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 8,102 | $2.2M |
| Vision | VISION SERVICE PLAN | 4,415 | $550K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,703 | $415K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,849 | $1.2M |
| Long-term disability | LIBERTY LIFE INSURANCE COMPANY OF BOSTON | 7,702 | $257K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,703 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,102 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.