| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $175K | $33 | $175K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALH & BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $125K | $125K | 1.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA, 955908,913907,913906 | $175K | — | $175K | 2.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | P.O. BOX 850502 MINNEAPOLIS, MN 554850502 | UNUM LIFE INSURANCE COMPANY OF AMERICA, 913909,913910,913911 | $656K | — | $656K | 23.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE & INVESTMENT CORP | 4 CHASE METROTECH CENTER FLOOR E BROOKLYN, NY 11245 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $64 | $19K | 4.47% |
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 | 24,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 22,074 | $4.3M |
| Dental | AETNA LIFE INSURANCE CO | 5,444 | $982K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 60,598 | $9.5M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA, 955908,913907,913906 | 20,164 | $10.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 60,598 | $9.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60,598 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.