| 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 - SUPPLEMENTAL/AD&D | — | $12K | $12K | 2.19% |
| 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 | — | $5K | $5K | 1.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY - LTD | — | $405 | $405 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $143 | $5K | 25.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA, INC. EIN 54-0357120 ASO MED CLAIMS | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.2M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ASO DENTAL CLAIMS | Contract Administrator Service code 13 | — | $66K |
| CVS PHARMACY, INC. EIN 05-0340626 ASO RX CLAIMS | Float revenue; Direct payment from the plan; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | -$69K |
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 | 2,336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | 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) | 2,371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,755 | $473K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,878 | $66K |
| Vision | VISION SERVICE PLAN | 1,628 | $373K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - SUPPLEMENTAL/AD&D | 3,193 | $829K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY - NYDBL/NYPFL | 12 | $8K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY - LTD | 3,193 | $228K |
| Prescription drug | CVS PHARMACY, INC. | 1,755 | $0 |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,755 | $473K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY - SUPPLEMENTAL/AD&D | 3,193 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,193 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.