| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTHCARE SERVICE CORPORATION BLUECROSS BLUESHIELD OF ILLINOIS | $271K | $14K | $285K | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $48K | $2K | $49K | 5.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $4K | $61K | 10.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | $4K | $55K | 10.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $17K | — | $17K | 8.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $248 | $3K | 10.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREMARK EIN 95-3382344 NONE | Claims processing Service code 12 | — | $3.4M |
| SINAI HEALTH SYSTEMS EIN 36-3166895 SELF | Non-monetary compensation Service code 56 | — | $208 |
| MERCER HEALTH & BENEFITS LLC EIN 13-2834414 BROKER | Non-monetary compensation Service code 56 | — | $135 |
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 | 3,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHCARE SERVICE CORPORATION BLUECROSS BLUESHIELD OF ILLINOIS | 3,213 | $14.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,420 | $962K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 3,385 | $209K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,557 | $508K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,080 | $567K |
| Other(2 contracts, 2 carriers) | EMPLOYER RESOURCE SYSTEMS | 3,557 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,557 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.