| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 2.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | P.O. BOX 13784 NEWARK, NJ 07188 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | HCC SPECIALTY UNDERWRITERS, INC. | $22K | — | $22K | 12.88% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $771 | — | $771 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYPSHERE CIR CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $697 | — | $697 | 1.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-NY | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH-POTOMAC, MD | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON-POTOMAC, MD | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $647 | — | $647 | 1.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS-ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.22% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.5M |
| Vision | EYEMED VISION CARE O/B/O THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 0 | $40K |
| Life insurance(3 contracts, 2 carriers) | HCC SPECIALTY UNDERWRITERS, INC. | 0 | $274K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.5M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.