| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HLTH BNFT LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HM LIFE INSURANCE COMPANY | $30K | — | $30K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NETWORK PHARMACY | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $1.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 INSURANCE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $84K |
| CAREMARK PHARMACEUTICAL SVCS GROUP | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue Service code 12 | — | $57K |
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 | 2,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 863 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREMIER HEALTH PLAN, INC. | 2,499 | $1.6M |
| Dental(3 contracts) | DELTA DENTAL OF INDIANA | 6,400 | $2.0M |
| Vision | VISION SERVICE PLAN | 1,926 | $383K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,155 | $3.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,155 | $3.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,155 | $3.6M |
| Prescription drug | PREMIER HEALTH PLAN, INC. | 117 | $1.6M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,506 | $606K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,155 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,400 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.