| 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 | 10.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING IN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $0 | $16K | $16K | 2.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 ST. LOUIS, MO 63101 | HCC LIFE INSURANCE COMPANY | $12K | $0 | $12K | 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 | $0 | $0 | $0 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $5.0M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.4M |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 VENDOR | Contract Administrator; Claims processing Service code 12 | — | $11K |
| NEW DIRECTIONS BEHAVIORAL HEALTH EIN 43-1698690 VENDOR | Employee (plan) Service code 30 | PO BOX 87-0195 KANSAS CITY, MO 64187 | $822 |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 BROKER | Other commissions Service code 55 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | $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 | 1,989 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,697 | $162K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,467 | $768K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,467 | $768K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,020 | $619K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,467 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,697 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.