| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SELECTHEALTH | $82K | $41K | $123K | 1.73% |
| IMA, INC.3 | 95 STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | SELECTHEALTH | $60K | $30K | $90K | 1.27% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | DELTA DENTAL INSURANCE COMPANY | $20K | $0 | $20K | 3.55% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $14K | $0 | $14K | 2.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 6.12% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 4.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | PO BOX 850502 MINNEAPOLIS, MN 55485 | UNUM INSURANCE COMPANY | $13K | $1K | $14K | 17.82% |
| IMA, INC.3 | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | UNUM INSURANCE COMPANY | $266 | $106 | $372 | 0.46% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC. | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $1K | $0 | $1K | 8.62% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE WICHITA, KS 67202 | ARAG INSURANCE COMPANY | $199 | $0 | $199 | 1.37% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 1,818 | $7.1M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,752 | $569K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,134 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 747 | $308K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 747 | $308K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 747 | $308K |
| Prescription drug | SELECTHEALTH | 1,818 | $7.1M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 747 | $403K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,818 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.