| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $56K | — | $56K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187K | $38K | $225K | 6.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | $27K | $139K | 6.19% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $14K | — | $14K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138K | $11K | $148K | 16.15% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC | 5404 CYPRESS CENTER DRIVE SUTE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $7K | $95K | 23.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 5.82% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC | 5404 CYPRESS CENTER DR STE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $4K | $52K | 23.56% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC | 5404 CYPRESS CENTER DRIVE SUTE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 22.83% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC | 5404 CYPRESS CENTER DRIVE SUTE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 24.53% |
| MERCER HEALTH AND BENEFITS, LLC3 | 17901 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92614 | PAN AMERICAN LIFE INSURANCE COMPANY | $300 | — | $300 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 777 SOUTH FIGEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | LLOYDS OF LONDON | $4K | $0 | $4K | 28.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 MARKET STREET SUITE 1800 ST LOUIS, MO 63101 | NATIONAL UNION FIRE INS CO. OF PITTSBURGH, PA | $2K | — | $2K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $627 | $627 | 17.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | CORPORATE LOCKBOX GPO BOX 27447 NEW YORK, NY 10087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $625 | $625 | 17.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN LIFE INSURANCE COMPANY | -$49 | $0 | -$49 | -26.92% |
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 | 15,168 | 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) | 15,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(16 contracts, 11 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,261 | $9.5M |
| Dental(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,468 | $5.9M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,656 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,168 | $2.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,168 | $3.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,168 | $918K |
| Prescription drug(15 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,261 | $9.5M |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,168 | $663K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,168 | — |
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.