| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185K | $48K | $233K | 17.43% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $119K | $31K | $151K | 17.57% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $36K | — | $36K | 9.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER H AND B ADMINISTRATION | PO BOX 850502 MINNEAPOLIS, MN 55485 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $0 | $9K | 16.52% |
| YOUDECIDE, INC.3 | 4450 RIVER GREEN PARKWAY SUITE 100-A DULUTH, GA 30096 | METROPOLITAN GENERAL INSURANCE COMPANY | $381 | $0 | $381 | 0.73% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | 121 RIVER STREET 5TH FLOOR HOBOKEN, NJ 07030 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $115 | $115 | 0.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $329 | $329 | — |
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 | 11,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,937 | $380K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,793 | $1.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,730 | $857K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,793 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,793 | — |
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.