| 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 | HEALTHY ALLIANCE LIFE INSURANCE CO | $56K | — | $56K | 3.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER (US) INC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF MISSOURI | $1K | $1K | $2K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF AMERICAS 22 FLR NEW YORK, NY 10036 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 8.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 9.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE FL 21 ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $60 | $1K | 5.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE CERVICES NY LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $394 | $394 | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 200 PARK AVE RM 3202 ATTN ACCOUNTING NEW YORK, NY 101663201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.11% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVE OF AMERICAS 22 FLR NEW YORK, NY 10036 | ANTHEM LIFE INSURANCE COMPANY | $219 | — | $219 | 1.76% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $245 | $2K | 20.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $424 | $118 | $542 | 7.34% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $424 | $424 | 5.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $793 | $262 | $1K | 15.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $514 | $135 | $649 | 9.78% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $514 | $514 | 7.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 606740001 | METROPOLITAN LIFE INSURANCE COMPANY | $342 | $207 | $549 | 9.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | $93 | $407 | 6.86% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $314 | $314 | 5.29% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE CO | $103 | $7 | $110 | 11.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 800 MARKET ST STE 1800 ST. LOUIS, MO 631012617 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE CO | 269 | $1.9M |
| Dental | DELTA DENTAL OF MISSOURI | 289 | $120K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE CO | 269 | $1.8M |
| Life insurance(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 184 | $62K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 184 | $62K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.