| 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 | — | $14K | $14K | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $158K | — | $158K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | — | $23K | $23K | 1.16% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | WASHINGTON SQ, 1050 CONNECTICUT AVE WASHINGTON, DC 200365386 | HCC LIFE INSURANCE COMPANY | — | $9K | $9K | 0.44% |
| 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 | $31K | — | $31K | 8.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HCC LIFE INSURANCE COMPANY | — | $5K | $5K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS ADM LLC | WASHINGTON SQ, 1050 CONNECTICUT AVE WASHINGTON, DC 20036 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADM LLC | 155 NORTH WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | CVS PHARMACY, INC. | — | $62K | $62K | — |
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 | 10,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,930 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,976 | 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 | 12,227 | $108.7M |
| Prescription drug(2 contracts) | CVS PHARMACY, INC. | 11,867 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 6,176 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,227 | — |
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.