| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 445 SOUTH STREET, SUITE 210 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $167K | — | $167K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 5.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $23 | — | $23 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 7.37% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 445 SOUTH STREET, SUITE 210 MORRISTOWN, NJ 07960 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 4.23% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $4.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $4.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 846 | $173K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 846 | $221K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 846 | $173K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 32 | $226K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 846 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.