| 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 | — | $70K | $70K | 1.41% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 0.96% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | RELIASTAR LIFE INSURANCE COMPANY | $499K | — | $499K | 11.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIASTAR LIFE INSURANCE COMPANY | — | $34K | $34K | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS EIN 22-0999690 3RD PARTY | Contract Administrator; Insurance agents and brokers Service code 13 | — | $2.3M |
| CVS CAREMARK EIN 05-0494040 3RD PARTY | Insurance services Service code 23 | — | $542K |
| WELLTOK EIN 23-1340234 3RD PARTY | Other fees Service code 99 | 1 WATER STREET CAMDEN, NJ 08102 | $241K |
| AETNA EIN 06-6033492 3RD PARTY | Contract Administrator; Claims processing Service code 12 | — | $226K |
| CAREBRIDGE CORPORATION EIN 23-2614764 3RD PARTY | Other fees Service code 99 | — | $100K |
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 | 6,631 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 1,078 | $618K |
| Vision(4 contracts) | EYEMED VISION CARE | 1,722 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,594 | $5.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,594 | $5.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,594 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,594 | — |
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.