| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3 LOGAN SQ. 1717 ARCH ST, STE 1100 PHILADELPHIA, PA 19103 | INDEPENDENCE BLUE CROSS | $164K | — | $164K | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 3 LOGAN SQ. 1717 ARCH ST, STE 1100 PHILADELPHIA, PA 19103 | INDEPENDENCE BLUE CROSS | $34K | — | $34K | 0.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $80K | $21K | $101K | 8.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $69K | $18K | $87K | 8.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $58K | $15K | $73K | 8.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH BNFT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $117K | — | $117K | 15.00% |
| VARIOUS - SEE ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $88K | — | $88K | 22.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH BNFT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA COMPANIES, INC. | $25K | — | $25K | 23.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $291 | $291 | 1.61% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INS CO. | — | $279 | $279 | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | $150 | — | $150 | 7.50% |
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 | 4,453 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 6,577 | $27.1M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 3,228 | $108K |
| Vision | INDEPENDENCE BLUE CROSS | 6,576 | $192K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,453 | $1.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,453 | $1.2M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 847 | $859K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 6,577 | $4.2M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,207 | $780K |
| Other(5 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,453 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,577 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.