| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 331 ALCOVE RD., STE. 200 MOORESVILLE, NC 28117 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $6K | — | $6K | 1.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA HEALTH INC. | $13K | — | $13K | 4.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA LLC | 331 ALCOVE RD., STE. 200 MOORESVILLE, NC 28117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIR. CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 19.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $68K |
| COMPANION LIFE INSURANCE COMPANY EIN 57-0523959 TPA | Claims processing; Contract Administrator Service code 12 | — | $53K |
| HILB GROUP OF NORTH CAROLINA BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 331 ALCOVE RD., STE. 200 MOORESVILLE, NC 28117 | $15K |
| HEALTHCOMP INTEGATED SOLUTIONS EIN 72-0519951 TPA | Contract Administrator; Claims processing Service code 12 | — | $6K |
| INGENIORX INC EIN 54-1356687 TPA | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 286 | $480K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 286 | $888K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 286 | $888K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $142K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $142K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $142K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 262 | $408K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.