| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | HARTFORD LIFE & ACCIDENT | $70K | $0 | $70K | 4.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE & ACCIDENT | $62K | $0 | $62K | 3.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HR CONSULTING INC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE & ACCIDENT | — | $16K | $16K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITED CONCORDIA INSURANCE COMPANY | — | $4K | $4K | 0.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 333 S. SEVENTH ST. #1400 MINNEAPOLIS, MN 55402 | HIGHMARK INC. | $15K | — | $15K | 2.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 800 MARKET ST STE 1800 SAINT LOUIS, MO 631010000 | FEDERAL INSURANCE COMPANY | — | $0 | $0 | — |
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 | 2,030 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SCOTT WHITE HEALTH PLAN | 222 | $3.1M |
| Dental(2 contracts, 2 carriers) | SCOTT WHITE HEALTH PLAN | 2,428 | $2.1M |
| Vision | HM LIFE INSURANCE COMPANY | 2,132 | $123K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 2,074 | $1.6M |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 2,074 | $1.6M |
| Prescription drug(3 contracts, 3 carriers) | HEALTH ADVANTAGE | 156 | $1.8M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE & ACCIDENT | 2,074 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,428 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.