| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $163K | $43K | $206K | 8.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $52K | $52K | 2.24% |
| CHILD HEALTH CORP OF AMERICA3 | 16011 COLLEGE BLVD, STE 250 LENEXA, KS 662191366 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 4.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $2K | $30K | 11.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $22K | 8.83% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC DBA INTEGRO INS BKR | 3333 PIEDMONT ROAD NE, SUITE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $22K | 10.71% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 310502 DES MOINES, IA 503310502 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 9.83% |
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 | 5,834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 606 | $152K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,268 | $476K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,448 | $2.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,448 | $2.3M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,785 | $559K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,448 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.