| 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 | AETNA/INNOVATION HEALTH | $53K | — | $53K | 1.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVENUE NW STE 700 WASHINGTON, DC 20036 | GHMSI | $62K | $52K | $114K | 3.67% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | GHMSI | — | $6K | $6K | 0.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 12.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $350 | — | $350 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 12.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $333 | — | $333 | 0.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 12.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $277 | — | $277 | 0.30% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $39 | $6K | 12.30% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA/INNOVATION HEALTH | 1,258 | $6.5M |
| Dental(2 contracts, 2 carriers) | AETNA/INNOVATION HEALTH | 1,258 | $6.5M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 959 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 427 | $113K |
| Short-term disability | STANDARD INSURANCE COMPANY | 427 | $107K |
| Long-term disability | STANDARD INSURANCE COMPANY | 427 | $91K |
| Prescription drug(2 contracts, 2 carriers) | AETNA/INNOVATION HEALTH | 1,258 | $6.5M |
| Other | STANDARD INSURANCE COMPANY | 427 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,258 | — |
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.