| 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 | STANDARD INSURANCE COMPANY | $64K | $0 | $64K | 6.51% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $38K | $38K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 1.93% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $11K | $11K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | STANDARD INSURANCE COMPANY | $90K | $0 | $90K | 40.77% |
| WORKDAY INC3 | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 4.24% |
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 | 1,646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,997 | $978K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,009 | $272K |
| Other(3 contracts) | STANDARD INSURANCE COMPANY | 2,009 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,009 | — |
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.