| 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 | METROPOLITAN LIFE INSURANCE COMPANY | — | $60K | $60K | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $23K | — | $23K | 20.53% |
| RICHARD A ST JEAN3 Filed as: RICHARD A. ST. JEAN | 101 FEDERAL STREET SUITE 800 BOSTON, MA 021102038 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $6K | $9K | 7.77% |
| RAYMOND P NEWSOM3 Filed as: RAYMOND P. NEWSOM | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 296156941 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $502 | — | $502 | 0.45% |
| CHRISTOPHER NELSON RIKARD3 | 103 TARLETON WAY GREER, SC 29650 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $314 | — | $314 | 0.28% |
| HENRY W MCCRAY3 Filed as: HENRY W. MCCRAY | 64 STONEY CREEK ROAD HILTON HEAD ISLAND, SC 29928 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $55 | — | $55 | 0.05% |
| SCOTT GREENFIELD3 | THREE ALLIANCE CENTER 3550 LENOX ROAD, SUITE 1100 ATLANTA, GA 303264294 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1 | $10 | $11 | 0.01% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET SUITE 300 CHARLOTTE, NC 282090009 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LLOYDS OF LONDON | $2K | — | $2K | 26.78% |
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 | 3,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAGELLAN HEALTHCARE INC. | 4,572 | $41K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,571 | $5.7M |
| Vision(5 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 4,278 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,571 | $5.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,571 | $5.7M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,571 | $5.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,572 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,572 | — |
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."
No prospect flags tripped on this filing.