| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $80K | $0 | $80K | 11.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 1.67% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 ST. LOUIS, MO 63101 | HCC LIFE INSURANCE COMPANY | $9K | $0 | $9K | 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 | $8K | $0 | $8K | 1.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $1.3M |
| UNITEDHEALTH GROUP CENTER EIN 41-1321939 VENDOR | Employee (plan) Service code 30 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $115K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 VENDOR | Employee (plan) Service code 30 | PO BOX 87-0195 KANSAS CITY, MO 64187 | $101K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 VENDOR | Claims processing; Contract Administrator Service code 12 | — | $92K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | $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 | 1,981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,585 | $153K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,434 | $705K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,434 | $705K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 1,994 | $429K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,434 | $705K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,585 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.