| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $100K | $0 | $100K | 1.26% |
| 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 | $66K | $0 | $66K | 1.28% |
| 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 | $59K | $0 | $59K | 1.28% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - ST LOUIS | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 190.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 95.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE | Other fees; Claims processing; Contract Administrator; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $543K |
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 | 45,863 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,527 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 52,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,180 | $13.1M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20,787 | $4.6M |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23,180 | $17.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,180 | — |
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.