| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS BLUE SHIELD | $14K | — | $14K | 1.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD STREET, SUITE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS BLUE SHIELD | $6 | — | $6 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 INSURANCE PROVIDER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $392K |
| MERCER HEALTH & BENEFITS INSURANCE PROVIDER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $76K |
| WILLIS OF OHIO INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | -$6K |
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 | 593 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS BLUE SHIELD | 395 | $1.3M |
| Vision | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS BLUE SHIELD | 395 | $1.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 593 | $38K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY DBA ANTHEM BLUE CROSS BLUE SHIELD | 395 | $1.3M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 593 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.