| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZNTH BENEFITS CONSULTING3 | 325 NORTH KIRKWOOD ROAD SUITE 303 ST. LOUIS, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.33% |
| ZNTH BENEFITS CONSULTING3 | 325 NORTH KIRKWOOD ROAD SUITE 303 ST. LOUIS, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $892 | $35K | 9.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | HCC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER NWZ STOP LOSS COALITION | FOUR EMBARCADERO CENTER SUITE 400 SAN FRANCISCO, CA 94111 | HCC LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 2.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.3M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 VENDOR | Contract Administrator; Claims processing Service code 12 | — | $83K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 VENDOR | Employee (plan) Service code 30 | PO BOX 87-0195 KANSAS CITY, MO 64187 | $50K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIR CHICAGO, IL 606740045 | $0 |
| UNITEDHEALTH GROUP CENTER EIN 41-1321939 VENDOR | Employee (plan) Service code 30 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $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 | 1,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,543 | $259K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,543 | $259K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,407 | $834K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,395 | $176K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,972 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,543 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.