| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 4.78% |
| MST INSURANCE SOLUTIONS, INC.3 Filed as: MST INSURANCE SOLUTIONS INC | 21241 SOUTH WESTERN AVENUE SUITE 200 TORRANCE, CA 90501 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 1.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $42K | $7K | $48K | 11.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 633 WEST 5TH STREET LOS ANGELES, CA 90071 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 7.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $791 | $79 | $870 | 16.51% |
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 | 490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 104 | $477K |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,250 | $374K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,029 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 490 | $418K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 490 | $418K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 490 | $418K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 104 | $477K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 490 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,250 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.