| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $52K | $243K | 6.27% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $24K | — | $24K | 2.20% |
| MERCER HEALTH AND BENEFITS, LLC0 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $132K | $10K | $142K | 58.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $8K | $114K | 59.79% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | PO BOX 850502 MINNEAPOLIS, MN 554850001 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $7K | $104K | 58.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $5K | — | $5K | 30.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $888K |
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 | 6,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,245 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,634 | $615K |
| Vision | VISION SERVICE PLAN | 4,901 | $1.1M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,356 | $3.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,356 | $3.9M |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 6,501 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,501 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.