| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $21K | $21K | 2.19% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.25% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: MARSH USA, INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 3.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $33K | — | $33K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH@WORK SOLUTIONS | PO BOX 14496 DES MOINES, IA 50306 | METLIFE LEGAL PLANS | $0 | $27K | $27K | 16.28% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | PO BOX 310502 DES MOINES, IA 503310502 | METLIFE LEGAL PLANS | $15K | $2K | $16K | 9.69% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 121 RIVER STREET, FL 5 HOBOKEN, NJ 07031 | METLIFE LEGAL PLANS | $0 | $42 | $42 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 12.62% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET STREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $11K | — | $11K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 701 MARKET SREET, SUITE 1100 SAINT LOUIS, MO 63101 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $7K | — | $7K | 20.00% |
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 | 5,651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 123 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 682 | $2.9M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 879 | $369K |
| Vision | VISION SERVICE PLAN | 3,679 | $672K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 5,183 | $1.8M |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,606 | $971K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,606 | $971K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 74 | $555K |
| Other(7 contracts, 5 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 5,641 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,641 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.