| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, SUITE 1100 PHILADELPHIA, PA 19103 | SYMETRA LIFE INSURANCE COMPANY | $23K | $2K | $25K | 10.90% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $0 | $4K | $4K | 3.44% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, SUITE 1100 PHILADELPHIA, PA 19103 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $225 | $0 | $225 | 10.01% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 351 | $131K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $20K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 320 | $229K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 320 | $229K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 320 | $229K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 320 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.