| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $73K | $81K | 4.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $179 | $5K | 9.90% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN CORP | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $103 | $3K | 9.91% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN CORP | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $887 | $887 | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $72 | $2K | 9.91% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN CORP | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $616 | $616 | 2.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $34 | $1K | 9.89% |
| WEB BENEFITS DESIGN CORPORATION3 Filed as: WEB BENEFITS DESIGN CORP | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $293 | $293 | 2.80% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $2.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $32K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $2.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.