| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $100 | $24K | 4.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $12K | 2.07% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.01% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTA AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | -$28K | $99 | -$28K | -4.67% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTA AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $99 | $11K | 6.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $100 | $7K | 4.25% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $442 | $3K | 1.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.74% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 5.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE | 1120 SOUTH AVENUE NORTH MANKATO, MN 56003 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.96% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTA AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $99 | $8K | 8.13% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $100 | $5K | 5.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $262 | $2K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $716 | $716 | 0.75% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $703 | $703 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.01% |
| HAYS COMPANIES, INC.3 | 901 MARQUETTA AVENUE SUITE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $99 | $6K | 8.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $100 | $4K | 5.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $992 | $203 | $1K | 1.75% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $505 | $505 | 0.74% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $496 | $496 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS, LLC. | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.01% |
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 | 2,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,793 | $152K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,687 | $596K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,687 | $596K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,687 | $596K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,687 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,793 | — |
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.