| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740045 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | $23K | $92K | 5.22% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BCBS OF ILLINOIS | $63K | $502 | $64K | 4.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $20K | $20K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $10K | — | $10K | 2.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GUARDIAN | $4K | $446 | $5K | 11.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 100 MATSONFORD ROAD SUITE 510 RADNOR, PA 190874559 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $430 | $430 | 1.29% |
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 | 4,790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCBS OF ILLINOIS | 256 | $2.5M |
| Dental | GUARDIAN | 92 | $41K |
| Vision | VISION SERVICE PLAN | 3,798 | $524K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,122 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,122 | $1.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,342 | $926K |
| Prescription drug(2 contracts, 2 carriers) | BCBS OF ILLINOIS | 256 | $2.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,122 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,122 | — |
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."
No prospect flags tripped on this filing.