| 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 | $101K | $0 | $101K | 1.37% |
| 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 | $60K | $0 | $60K | 1.27% |
| 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 | $57K | $0 | $57K | 1.51% |
| MMA DALLAS-WALNUT HILL3 | 8144 WALNUT HILL LN 16TH FL DALLAS, TX 75261 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.56% |
| 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 | $407 | $0 | $407 | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 NONE | Other fees; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $621K |
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 | 39,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,062 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 44,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,414 | $12.1M |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 17,385 | $3.8M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19,414 | $15.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,414 | — |
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.