| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ST | 701 MARKET ST STE1100 ST LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $0 | $92K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ST | 701 MARKET ST STE 1100 ST LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $0 | $61K | 1.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ST | 701 MARKET ST STE 1100 ST LOUIS, MO 63101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $0 | $50K | 1.20% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ST | 701 MARKET ST STE 1100 ST LOUIS, MO 63101 | FIRST UNUM LIFE INSURANCE COMPANY | $282 | $0 | $282 | 1.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Other fees; Direct payment from the plan Service code 12 | — | $393K |
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 | 53,013 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,544 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 60,557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,660 | $12.5M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $213K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15,564 | $4.1M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35,660 | $16.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 35,660 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.