| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $38 | $4K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $824 | $3K | 14.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | AMERITAS LIFE INSURANCE CORP. | $818 | — | $818 | 4.27% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN ST STE 1250 BOISE, ID 83702 | AMERITAS LIFE INSURANCE CORP. | — | $510 | $510 | 2.66% |
| MERCER HEALTH AND BENEFITS, LLC3 | 325 JOHN H MCCONNELL BLVD SUITE 350 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $380 | $99 | $479 | 18.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9 | — | $9 | — |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 415 | $133K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 611 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 246 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $33K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 337 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.