| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $52K | $5K | $56K | 7.85% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $2K | $31K | 8.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 100 NORTH TRYON STREET, SUITE 3400 CHARLOTTE, NC 28202 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 9.18% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | UNKNOWN DURHAM, NC 27703 | TRIPLE S SALUD, INC. | $1K | $0 | $1K | 4.95% |
| LOCKTON COMPANIES, LLC3 | 3657 BRIARPARK DRIVE, SUITE 700 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $683 | $0 | $683 | 10.01% |
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 | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,091 | $383K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 5 | $33K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,220 | $182K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,889 | $717K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,889 | $717K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,889 | $717K |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 5 | $33K |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,889 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,889 | — |
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.