| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $41K | — | $41K | 3.13% |
| THE CHRIST HOSPITAL3 | 2139 AUBURN AVENUE CINCINNATI, OH 45219 | STANDARD INSURANCE COMPANY | — | $40K | $40K | 3.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $40K | — | $40K | 3.53% |
| THE CHRIST HOSPITAL3 | 2139 AUBURN AVENUE CINCINNATI, OH 45219 | STANDARD INSURANCE COMPANY | — | $35K | $35K | 3.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 5.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $120K | $2K | $123K | 54.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | TRANSAMERICA LIFE INSURANCE COMPANY | $139K | — | $139K | 69.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $59K | — | $59K | 29.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 9.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN/ | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $890 | $45K | 53.59% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORPORATE ACCOUNTING FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $825 | $35K | 43.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $240 | $10K | 12.76% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON CO | 30 WATERSIDE DRIVE ATTN STEPHANIE ATTRUIA CORPORATE ACCOUNTING FARMINGTON, CT 060323069 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $825 | $18K | 44.25% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $138 | $5K | 12.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $169 | — | $169 | 5.05% |
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 | 6,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $433K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 7,354 | $686K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,748 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,884 | $1.1M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 316 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,354 | — |
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.
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.