| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 325 JOHN H MCCONNEL BLVD SUITE 350 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $258K | $269K | 4.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 11.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 19.94% |
| CONNECTIONS INSURANCE LLC3 Filed as: CONNECTIONS INSURANCE, LLC | 112 EDMONTON ROAD BELLVILLE, OH 44813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| PROTEK BUSINESS MANAGEMENT3 | P O BOX 394 LUCAS, OH 44843 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| BUILDING BENEFITS LLC3 Filed as: BUILDING BENEFITS, LLC | 136 LATOURETTE ST MARION, OH 43302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 37.51% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 14.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 42.92% |
| CONNECTIONS INSURANCE LLC3 | 112 EDMONTON RD BELLVILLE, OH 44813 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 1.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $464 | — | $464 | 10.01% |
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 | 741 | 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) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,163 | $6.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,163 | $6.5M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 701 | $236K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 701 | $227K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 701 | $227K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,163 | $6.5M |
| Other(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 701 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.
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.