| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O.BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $96K | $3K | $99K | 33.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O.BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $132K | $4K | $136K | 49.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O.BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $655 | $22K | 49.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | P.O.BOX 27447 NEW YORK, NY 100877447 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $410 | $14K | 49.55% |
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 | 5,756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 778 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,988 | $720K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF INDIANA | 5,787 | $4.3M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,613 | $1.1M |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 6,293 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,655 | $513K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $397K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,366 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,613 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.