| 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 | $186K | — | $186K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER | 1717 ARCH STREET PHILADELPHIA, PA 19103 | CVS PHARMACY, INC. | $76K | — | $76K | 0.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $108K | $13K | $122K | 7.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $86K | $16K | $102K | 8.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $63K | $12K | $75K | 8.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $85K | — | $85K | 10.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | — | $59K | 26.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $6K | $6K | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52K | — | $52K | 31.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $4K | $4K | 2.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA COMPANIES, INC. | $31K | $1K | $32K | 20.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | — | — | $0 | 0.00% |
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 | 6,808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 8,482 | $42.0M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 8,482 | $152K |
| Vision | INDEPENDENCE BLUE CROSS | 8,482 | $316K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,539 | $1.3M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,539 | $1.6M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 957 | $925K |
| Prescription drug(2 contracts, 2 carriers) | CVS PHARMACY, INC. | 8,482 | $8.7M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 4,431 | $807K |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,539 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,482 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.