| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $0 | $11K | $11K | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $149K | $0 | $149K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | $0 | $16K | $16K | 0.88% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | WASHINGTON SQ, 1050 CONNECTICUT AVE WASHINGTON, DC 200365386 | HCC LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $64K | $0 | $64K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.84% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADM LLC | WASHINGTON SQ, 1050 CONNECTICUT AVE WASHINGTON, DC 20036 | HCC LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | CVS PHARMACY, INC. | — | $42K | $42K | — |
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 | 9,687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,845 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 11,645 | $103.6M |
| Prescription drug(2 contracts) | CVS PHARMACY, INC. | 10,996 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 5,843 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,645 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.