| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $100 | $57K | 5.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.24% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $101 | $101 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.16% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $276 | $2K | 168.16% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $737 | $1K | 102.20% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $194 | $194 | 15.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 7.78% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $100 | $2K | 255.02% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $610 | $313 | $923 | 149.35% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 12.46% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 6.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 589.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $816 | $300 | $1K | 558.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $91 | $91 | 45.50% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $74 | $74 | 37.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $100 | $2K | 2654.32% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $282 | $1K | 1624.69% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $925 | $925 | 1141.98% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $227 | $227 | 280.25% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $100 | $1K | 12645.45% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $654 | $292 | $946 | 8600.00% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $97 | $97 | 881.82% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $90 | $90 | 818.18% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $418 | $119 | $537 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $100 | $473 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $43 | $43 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $100 | $3K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $597 | $2K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $186 | $186 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $119 | $119 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $562 | $172 | $734 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $100 | $683 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67 | $67 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $62 | $62 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $578 | $323 | $901 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $497 | $100 | $597 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $138 | $138 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $128 | $128 | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $100 | $3K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $482 | $482 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $240 | $240 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $100 | $3K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $795 | $3K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $253 | $253 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52 | $52 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $100 | $2K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $476 | $2K | — |
| FIDELITY HEALTH INSURANCE SERVICES3 | 20 COMMERCE WAY, SUITE 800 PNC BANK C/O FMR LLC LOCKBOX 844303 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $122 | $122 | — |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | — |
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 | 1,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 5 | $200 |
| Vision | VISION SERVICE PLAN | 1,051 | $148K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,840 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,840 | $1.1M |
| Prescription drug | METROPOLITAN LIFE INSURANCE COMPANY | 5 | $200 |
| Other(12 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,840 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,840 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.