| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $187K | — | $187K | 2.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $86K | — | $86K | 2.95% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | — | $29K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 2.96% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 2.95% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 7415 W 130TH STREET SUITE 200 OVERLAND PARK, KS 66213 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $61K | $878 | $62K | 5.05% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS CORPORATION | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 1.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $45K | — | $45K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 5.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 111 MONUMENT CIRCLE #4300 INDIANAPOLIS, IN 46204 | FEDERAL INSURANCE COMPANY | $74K | — | $74K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $21K | — | $21K | 10.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HYATT LEGAL PLANS, INC. | — | $192 | $192 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SEABURY & SMITH INC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | HYATT LEGAL PLANS, INC. | — | $24 | $24 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL CASUALTY COMPANY | $272 | — | $272 | 5.01% |
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 | 13,327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 323 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 159 | $1.2M |
| Dental | DELTA DENTAL OF INDIANA | 19,400 | $6.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 6,699 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,604 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,125 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,306 | $2.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 159 | $1.2M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 13,327 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,400 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.