| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 1.19% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $37K | $0 | $37K | 0.92% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $384 | $384 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CNSLTNG INC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT INSURANCE | $13K | $18K | $31K | 2.67% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEWYORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $5K | $82K | 15.82% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEWYORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $3K | $43K | 15.90% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEWYORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $1K | $24K | 15.91% |
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 | 5,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 256 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,262 | $938K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 796 | $121K |
| Vision | VISION SERVICE PLAN | 3,724 | $715K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,886 | $4.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE | 3,355 | $1.1M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,137 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,886 | — |
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."
No prospect flags tripped on this filing.