| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - BASIC LIFE/AD&D | — | $12K | $12K | 1.87% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 2.23% |
| AON CONSULTING INC7 | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $164 | $5K | 20.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA, INC. EIN 54-0357120 ASO MED CLAIMS | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $1.9M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ASO DENTAL CLAIMS | Contract Administrator Service code 13 | — | $87K |
| CVS PHARMACY, INC. EIN 05-0340626 ASO RX CLAIMS | Other services; Claims processing; Direct payment from the plan; Float revenue; Participant communication; Contract Administrator Service code 12 | — | $27K |
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 | 3,694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 58 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,825 | $729K |
| Dental | DELTA DENTAL OF VIRGINIA | 2,935 | $87K |
| Vision | VISION SERVICE PLAN | 2,587 | $515K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - BASIC LIFE/AD&D | 3,860 | $1.1M |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 16 | $568 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,655 | $400K |
| Prescription drug | CVS PHARMACY, INC. | 2,825 | $27K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,825 | $729K |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - BASIC LIFE/AD&D | 4,069 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,069 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.