| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | MEDICAL MUTUAL OF OHIO | $129K | $83 | $129K | 1.97% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | HEATLHKEEPERS, INC. | $19K | — | $19K | 1.69% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $101K | $42 | $101K | 9.91% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.28% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $62K | $42 | $62K | 9.88% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.26% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $11K | $214 | $11K | 4.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $39 | $2K | 5.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $45 | $2K | 7.38% |
| MERCER HEALTH AND BENEFITS, LLC3 | 701 MARKET STREET, SUITE 1100 ST. LOUIS, MO 63101 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $3K | — | $3K | 25.00% |
| CONNIE SHADLEY4 | 14139 W CORNELL AVE LAKEWOOD, CO 80228 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $721 | — | $721 | 13.41% |
| DOUG COOPER3 | 6387 W OHIO AVE LAKEWOOD, CO 80226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $11 | — | $11 | 0.20% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $188 | $4 | $192 | 4.56% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | COMBINED INSURANCE COMPANY OF AMERICA | $90 | $2 | $92 | 4.81% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4 | — | $4 | — |
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 | 2,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 62 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 253 | $7.7M |
| Vision(6 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 3,376 | $321K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,884 | $1.6M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,884 | $1.6M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 253 | $6.6M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,884 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,376 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.