| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $68K | $81K | 5.56% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $430 | $10K | 15.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $424 | $10K | 15.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $319 | $8K | 15.66% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.18% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 28.92% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $437 | $74 | $511 | 11.57% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 701 MARKET STREET SUITE 1100 ST. LOUIS, MO 63101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $629 | $28 | $657 | 15.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $478 | $450 | $928 | 30.90% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 494 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 278 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $63K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.