| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK D YOUNG3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CARE NETWORK OF MICHIGAN | $78K | — | $78K | 4.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 800 W MAIN STREET, SUITE 1250 BOISE, ID 83702 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 7.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $10K | $1K | $11K | 17.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $778 | $6K | 17.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $4K | — | $4K | 15.03% |
| MARK D YOUNG3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $850 | — | $850 | 4.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4 EMBARCADERO CENTER, SUITE 400 SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8 | $8 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 45.45% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 27447 NEW YORK, NY 10087 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $294 | $34 | $328 | 11.08% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 254 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 341 | $98K |
| Vision | VISION SERVICE PLAN | 173 | $24K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 263 | $64K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 263 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 254 | $1.6M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 263 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.