| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 6.22% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER SEZ COALITION | FOUR EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 1.90% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | VISION SERVICE PLAN | $9K | — | $9K | 3.00% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS | 4645 PAYSPHERE CIR CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.18% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GRP SE LLC | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $6K | $34K | 24.12% |
| NFP INSURANCE SERVICES INC Filed as: NFP INS SERVICES INC | BUILDING 2 STE 125 1250 S CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.15% |
| NFP INSURANCE SERVICES INC Filed as: MANAGEMENT COMPENSATION GROUP, INC. | 3445 PEACHTREE RD NE STE 200 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | — | $778 | 0.55% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER | — | CIGNA HEALTH & LIFE INSURANCE CO | $4K | — | $4K | 9.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 | Claims processing Service code 12 | — | $1.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $125K |
| EXPRESS SCRIPTS | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $101K |
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 | 3,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO | 7 | $74K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 811 | $191K |
| Vision | VISION SERVICE PLAN | 2,150 | $309K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,136 | $699K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,089 | $185K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,605 | $636K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,463 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,463 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.