| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 500 SOUTH MAIN STREET SUITE 600 GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $767K | — | $767K | 3.50% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER US INCORPORATED | 100 NORTH TRYON STREET SUITE 3600 CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $289 | — | $289 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 500 SOUTH MAIN STREET SUITE 600 GREENVILLE, SC 29601 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $36K | — | $36K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $88K | — | $88K | 5.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $25K | $25K | 1.54% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $4K | — | $4K | 2.05% |
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 | 1,891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,637 | $21.9M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,702 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,410 | $218K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,784 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,784 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,784 | $1.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,637 | $21.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,784 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,784 | — |
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."
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.