| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $169K | $55K | $224K | 5.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $55K | — | $55K | 4.51% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA INTERNATIONAL | $24K | — | $24K | 8.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $27K | $7K | $34K | 12.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | LOCKBOX 741909, PO BOX 741909 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $61 | $61 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | ACE AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.00% |
No Schedule C service providers reported on this filing.
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 | 7,626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 362 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,988 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 234 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 234 | $1.2M |
| Vision | VISION SERVICE PLAN | 5,246 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 13,208 | $4.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,208 | $4.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,208 | $4.3M |
| Other(4 contracts, 2 carriers) | METLIFE LEGAL PLANS | 7,690 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,208 | — |
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.