| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 701 POYDRAS ST. STE 4125 NEW ORLEANS, LA 70139 | UNITEDHEALTHCARE INSURANCE COMPANY | $141K | — | $141K | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $40K | — | $40K | 6.89% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES, INC. | 1230 ROSECRANS AVE, STE 260 MANHATTAN BEACH, CA 90266 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $49 | $52K | 11.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL INSURANCE COMPANY | $29K | — | $29K | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH LIMITED 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.77% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $286 | $18 | $304 | 1.44% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES, INC. | 1230 ROSECRANS AVE, STE 260 MANHATTAN BEACH, CA 90266 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 2.19% |
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 | 1,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,496 | $7.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 878 | $316K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,496 | $6.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,560 | $494K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,560 | $473K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,560 | $473K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,560 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,560 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.