| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $10K | $11K | $21K | 2.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UBS GLOBAL ASSET MANAGEMENT 3RD PARTY | Investment management; Investment management fees paid directly by plan Service code 28 | LOCK BOX 23387 CHICAGO, IL 60673 | $801K |
| HORIZON BCBS EIN 22-0999690 3RD PARTY | Contract Administrator; Insurance agents and brokers Service code 13 | — | $743K |
| CALLAN ASSOCIATES EIN 94-2192581 3RD PARTY | Investment advisory (plan) Service code 27 | — | $128K |
| INCOME RESEARCH & MANAGEMENT NONE | Investment management Service code 28 | P.O. BOX 418868 BOSTON, MA 022418830 | $111K |
| LSV ASSET MANAGEMENT NONE | Investment management Service code 28 | 8545 SOLUTION CENTER CHICAGO, IL 606778005 | $102K |
| MORGAN LEWIS & BOCKIUS LLP NONE | Contract Administrator Service code 13 | P.O. BOX 8500 S-6050 PHILADELPHIA, PA 191786050 | $84K |
| WELLS FARGO EIN 94-1347393 TRUSTEE | Trustee (bank, trust company, or similar financial institution); Custodial (other than securities) Service code 18 | — | $72K |
| NISA INVESTMENT ADVISORS, LLC NONE | Investment management Service code 28 | P.O. BOX 790379 ST. LOUIS, MO 631790379 | $65K |
| BLACKROCK FINANCIAL MANAGEMENT INC. NONE | Investment management Service code 28 | P.O. BOX 978884 DALLAS, TX 75397 | $21K |
| FRANKLIN ADVISORS 3RD PARTY | Investment management; Investment management fees paid directly by plan Service code 28 | 1 FRANKLIN PKWY, BLDG 970, 3RD FL SAN MATEO, CA 94403 | $20K |
| EAGLE ASSET MANAGEMENT NONE | Investment management Service code 28 | P.O. BOX 23592 ST. PETERBURG, FL 33742 | $20K |
| KREISCHER MILLER EIN 23-1980475 3RD PARTY | Accounting (including auditing) Service code 10 | — | $12K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,529 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,790 | $996K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,790 | $996K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,790 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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.