| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF ILLINOIS | $97K | $1K | $99K | 2.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 9.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $159 | $9K | 5.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | PO BOX 730182 DALLAS, TX 75373 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $47 | $47 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $685 | $6K | 21.58% |
| EUCLID INSURANCE SERVICES INC3 Filed as: EUCLID INSURANCE | 234 SPRING LAKE DRIVE ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $11 | $2K | 6.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $456 | $4K | 20.95% |
| EUCLID INSURANCE SERVICES INC3 Filed as: EUCLID INSURANCE | 234 SPRING LAKE DRIVE ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $11 | $1K | 5.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $69 | — | $69 | 0.34% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 310502 DES MOINES, IA 50331 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.17% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN, LLC | P.O. BOX 310502 DES MOINES, IA 50331 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 373 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 804 | $4.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 342 | $420K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 810 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $181K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $181K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $181K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 285 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.