| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $22K | 3.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF OHIO | $15K | $481 | $16K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 16.09% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD STE 350 COLUMBUS, OH 432157644 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.57% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, TN 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $769 | $3 | $772 | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | MARSH AT WORK SOLUTIONS PO BOX 10414 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12 | $12 | 0.03% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $32K |
| Dental | DELTA DENTAL OF OHIO | 1,509 | $569K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 680 | $81K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 723 | $673K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 723 | $575K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 723 | $575K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 723 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,509 | — |
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.