| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $41K | — | $41K | 0.61% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60K | — | $60K | 36.39% |
| CONNECTIONS INSURANCE LLC3 Filed as: CONNECTIONS INSURANCE, LLC | 112 EDMONTON ROAD BELLVILLE, OH 44813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| PROTEK BUSINESS MANAGEMENT3 | P O BOX 394 LUCAS, OH 44843 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BUILDING BENEFITS LLC3 Filed as: BUILDING BENEFITS, LLC | 136 LATOURETTE ST MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 42.75% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $232 | $33 | $265 | 11.00% |
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 | 753 | 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) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,366 | $7.0M |
| Dental | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Vision | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,366 | $7.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,366 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,366 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.