| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCE CONSULTING | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | — | $78K | $78K | 1.58% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 0.99% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | $385K | — | $385K | 10.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS EIN 22-0999690 3RD PARTY | Contract Administrator; Insurance agents and brokers Service code 13 | — | $2.1M |
| FIRST AMERICAN ADMINISTRATORS BENEFITS ADMINISTRATOR | Other fees Service code 99 | 14670 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | $494K |
| WELLS FARGO EIN 94-1347393 TRUSTEE | Custodial (other than securities); Trustee (bank, trust company, or similar financial institution) Service code 18 | — | $114K |
| CAREBRIDGE CORPORATION EIN 23-2614764 3RD PARTY | Other fees Service code 99 | — | $98K |
| CVS CAREMARK EIN 05-0494040 3RD PARTY | Insurance services Service code 23 | — | $96K |
| AETNA EIN 06-6033492 3RD PARTY | Claims processing; Contract Administrator Service code 12 | — | $78K |
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 | 7,287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 1,258 | $577K |
| Vision(4 contracts) | EYEMED VISION CARE | 2,011 | $26K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 7,476 | $4.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 7,476 | $4.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 7,476 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,476 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.