| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $239K | — | $239K | 2.47% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $46K | — | $46K | 6.10% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $737 | — | $737 | 0.64% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 08037 | KANAWHA INSURANCE COMPANY | $41 | — | $41 | 0.05% |
| BOEGER BRET M3 Filed as: BOEGER, BRET M | 4747 W 13TH ST STE 350 LEAWOOD, KS 66224 | KANAWHA INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| CRAMER, CHRISTOPHER J3 Filed as: CRAMER, CHRSTOPHER J | 1940 FOUNTAIN VIEW DR PMB 113 HOUSTON, TX 77057 | KANAWHA INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WERNICK, KEVIN M3 | 601 W 5TH ST STE 600 LOS ANGELES, CA 90071 | KANAWHA INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ARGUE, JOHN M3 | 601 W 5TH ST STE 600 LOS ANGELES, CA 90071 | KANAWHA INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 0.66% |
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 | 1,115 | 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) | 1,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,763 | $10.4M |
| Dental | AETNA LIFE INSURANCE CO. | 2,749 | $957K |
| Vision | VISION SERVICE PLAN | 1,025 | $126K |
| Life insurance(5 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,305 | $986K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,305 | $115K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,763 | $10.4M |
| Other(5 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,305 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,763 | — |
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.