| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $156K | $0 | $156K | 3.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $15K | $0 | $15K | 3.04% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNIVERSITY HEALTH ALLIANCE | $21K | — | $21K | 5.02% |
| MERCER HEALTH AND BENEFITS, LLC3 | 7201 WEST LAKE MEAD BOULEVARD SUITE 400 LAS VEGAS, NV 89128 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.22% |
| MERCER HEALTH AND BENEFITS, LLC3 | 7201 WEST LAKE MEAD BOULEVARD SUITE 400 LAS VEGAS, NV 89128 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 15.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $21K | $0 | $21K | 29.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 700 BISHOP STREET, SUITE 1100 HONOLULU, HI 96813 | HAWAII DENTAL SERVICE | $960 | — | $960 | 2.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT ADMIN | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | LEGAL ACCESS CONSULTING, LLC | — | $2K | $2K | 15.00% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 574 | $5.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 715 | $299K |
| Vision(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 574 | $4.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 975 | $203K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 975 | $203K |
| Prescription drug(4 contracts, 4 carriers) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 574 | $5.4M |
| Other(7 contracts, 6 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,101 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
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."
No prospect flags tripped on this filing.