| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $139K | — | $139K | 5.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $31K | $31K | 1.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 4900 LIBBIE MILL EAST SUITE 100 RICHMOND, VA 23230 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.07% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $1 | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | — | -$132 | -$132 | -0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1801 WEST END AVE, SUITE 1400 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $60K | — | $60K | 3.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $24K | — | $24K | 4.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $15K | $3K | $19K | 12.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $6K | $70 | $6K | 10.06% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $713 | $713 | 1.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 100260 PASADENA, CA 91189 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $154 | $154 | 0.28% |
| CALVO'S INSURANCE UNDERWRITERS, INC3 | P.O. BOX FJ HAGATNA, GU 96932 | TOKIO MARINE PACIFIC INSURANCE LTD. | $896 | — | $896 | 2.00% |
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 | 3,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 6 | $63K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 5,661 | $2.0M |
| Vision | VISION SERVICE PLAN | 1,971 | $590K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,366 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 5,366 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,366 | $2.7M |
| Prescription drug(2 contracts, 2 carriers) | TOKIO MARINE PACIFIC INSURANCE LTD. | 6 | $63K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 5,366 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,661 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.