| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | $22K | $80K | 6.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PASPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | $11K | $39K | 6.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $56K | — | $56K | 10.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $4K | $39K | 19.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $3K | $34K | 20.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | ADMINISTRATION LLC P.O. BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 17.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFTIS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | P.O. BOX 9023549 SAN JUAN, PR 009023549 | HUMANA INSURANCE OF PUERTO RICO, INC. | $5K | — | $5K | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4 EMBARCADERO CTR SUITE 40 SAN FRANCISCO, CA 94111 | TRANSAMERICA LIFE INSURANCE COMPANY | $32K | — | $32K | 36.59% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | CORESTREAM 3606 ENTERPRISE AVE, SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $4K | — | $4K | 9.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $931 | — | $931 | 2.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PASPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $190 | $190 | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH | $3K | — | $3K | 25.00% |
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 | 5,179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 134 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 39 | $98K |
| Vision | VISION SERVICE PLAN | 9,576 | $543K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,173 | $1.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $17K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,984 | $580K |
| Prescription drug | HUMANA INSURANCE OF PUERTO RICO, INC. | 39 | $98K |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,271 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,576 | — |
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.