| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH PLAN OF NEVADA | $332K | — | $332K | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 2.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314K | — | $314K | 52.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 7201 WEST LAKE MEAD BOULEVARD SUITE 400 LAS VEGAS, NV 89128 | HOMETOWN HEALTH | $9K | — | $9K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 7201 WEST LAKE MEAD BOULEVARD SUITE 400 LAS VEGAS, NV 89128 | HOMETOWN HEALTH | $5K | $0 | $5K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4445 EASTGATE MALL SUITE 300 SAN DIEGO, CA 92121 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
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 | 3,486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 3,962 | $23.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 9,895 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 9,895 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,416 | $743K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,244 | $601K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 3,962 | $23.9M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,416 | $784K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,895 | — |
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.