| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH, INC | $155K | — | $155K | 3.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $60K | — | $60K | 3.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $41 | $16K | 3.60% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 125 OTTAWA AVE NW STE 400 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 34.75% |
| AXA ASSISTANCE, USA5 | 1696 SOUTH MICHIGAN AVENUE STE 2584 CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $205 | $205 | 0.27% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 474 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $442K |
| Vision | VISION SERVICE PLAN | 501 | $65K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 665 | $77K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 665 | $77K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 665 | $77K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC | 474 | $5.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 665 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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."
No prospect flags tripped on this filing.