| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $1K | $593 | $4K | +90.2% |
| Broker comp per covered life | $1 | $38 | $56 | -96.5% |
| Broker comp % of premium | 0.1% | 8.5% | 7.1% | -8.4 pp |
| Retention rate | 3.0% | 0.0% | 0.4% | |
| Premium YoY % | 11.5% | 3.1% | -6.9% | +8.4 pp |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.15% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.31% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $575 | $0 | $575 | 0.14% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $498 | $0 | $498 | 0.19% |
| MERCER HEALTH & BENEFITS LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $86 | $0 | $86 | 0.12% |
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 | 2,593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE COMPANY | 7 | $6K |
| Vision | EYEMED VISION CARE | 2,290 | $358K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,494 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 628 | $132K |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,858 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,337 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,337 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.