| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER US INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BCS INSURANCE COMPANY | $46K | — | $46K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER US INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BCS INSURANCE COMPANY | $27K | — | $27K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | VISION SERVICE PLAN | $3K | — | $3K | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N. WACKER DRIVE STE 1500 CHICAGO, IL 606061710 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL BENEFITS ADMINSTRATORS NONE | Claims processing Service code 12 | P.O. BOX 4687 OAK BROOK, IL 605224687 | $758K |
| BLUE CROSS BLUE SHIELD NONE | Claims processing Service code 12 | 225 NORTH MICHIGAN AVENUE CHICAGO, IL 60601 | $266K |
| MERCER EIN 13-3109248 NONE | Claims processing Service code 12 | 2610 NORTHGATE DRIVE IOWA CITY, IA 52245 | $117K |
| GALLAGHER BENEFIT SERVICES, INC. EIN 36-4291971 NONE | Plan Administrator Service code 14 | 6701 HIGHWAY BLVD 212 KATY, TX 77494 | $117K |
| WARREN AVERETT, LLC EIN 45-4084437 NONE | Accounting (including auditing) Service code 10 | SIX CONCOURSE PARKWAY, SUITE 600 ATLANTA, GA 30328 | $40K |
| PERNO INSURANCE BENEFITS NONE | Consulting (general) Service code 16 | 1020 BARBER CREEK DRIVE, SUITE 111 WATKINSVILLE, GA 30677 | $39K |
| US BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 2204 LAKESHORE DRIVE, SUITE 302 HOMEWOOD, AL 35209 | $36K |
| DIGITAL INSURANCE INC NONE | Consulting (general) Service code 16 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | $20K |
| MARSH EIN 36-2668272 NONE | Claims processing Service code 12 | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10011 | $12K |
| INSURANCE CONSULTANTS OF CENTRAL FL NONE | Consulting (general) Service code 16 | 1331 PALMETTO AVE, SUITE 100 WINTER PARK, FL 32789 | $7K |
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 | 1,879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 217 | $24K |
| Vision | VISION SERVICE PLAN | 799 | $94K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,198 | $77K |
| Long-term disability | STANDARD INSURANCE COMPANY | 189 | $111K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BCS INSURANCE COMPANY | 1,916 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,916 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.