| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DELTA DENTAL OF INDIANA | $217K | — | $217K | 2.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | — | $90K | 2.66% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 2.67% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 1.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 2.65% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INSURANCE | 75 REMITTANCE DRIVE SUITE 1855 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 1.00% |
| MARINA EVETTE HOLLINGSHED3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $57K | — | $57K | 4.14% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 0.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $825 | $825 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VISION SERVICE PLAN | $48K | — | $48K | 5.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $31K | $471 | $32K | 5.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 111 MONUMENT CIRCLE #4300 INDIANAPOLIS, IN 46204 | FEDERAL INSURANCE COMPANY | $68K | — | $68K | 20.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H&B ADMINISTRATION | PO BOX 310502 DES MOINES, IA 50331 | HYATT LEGAL PLANS, INC. | $20K | $2K | $22K | 11.21% |
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 | 14,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 655 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 167 | $1.4M |
| Dental | DELTA DENTAL OF INDIANA | 20,571 | $7.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 7,145 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,395 | $1.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,536 | $1.9M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,042 | $3.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 167 | $1.4M |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 5,729 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,571 | — |
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.