| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $195K | — | $195K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS- IND | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138K | $87K | $225K | 3.55% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERV | 7415 W 130TH ST., STE 200 OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 1.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $663 | $53K | 4.49% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS CORPORATION | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 0.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 2.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 111 MONUMENT CIRCLE #4300 INDIANAPOLIS, IN 46204 | FEDERAL INSURANCE COMPANY | $65K | — | $65K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $17K | — | $17K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL CASUALTY COMPANY | $832 | — | $832 | 5.00% |
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 | 11,185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 288 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 144 | $1.2M |
| Dental | DELTA DENTAL OF INDIANA | 18,765 | $7.1M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,638 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,365 | $6.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,365 | $6.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21,365 | $6.3M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 144 | $1.2M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 11,185 | $517K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.