| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 155 N WACKER ST STE 1500 CHICAGO, IL 606061710 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $19K | — | $19K | 0.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARTFORD GROUP | $0 | $13K | $13K | 1.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF WI | 330 E KILBOURN AVE STE. 450 MILWAUKEE, WI 53202 | THE HARTFORD GROUP | — | $398 | $398 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE | 4565 PAYSPHERE CIRCLE CHICAGO, ID 60674 | THE HARTFORD GROUP | $0 | $0 | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 3.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $962K |
| DELTA DENTAL PLAN OF WISCONSIN, INC EIN 39-6094742 TPA (DENTAL BENEFIT) | Contract Administrator Service code 13 | — | $56K |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $219K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $219K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,273 | $136K |
| Life insurance | THE HARTFORD GROUP | 2,882 | $996K |
| Long-term disability | THE HARTFORD GROUP | 2,882 | $996K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 408 | $2.1M |
| Other | THE HARTFORD GROUP | 2,882 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,882 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.